Only one in four Americans has a credit score above 800, which is considered exceptional, according to industry data.

The financial services industry has made substantial progress in democratizing access to credit scores. Today, 95% of banks and credit unions offer customers visibility into their credit scores ...

Credit scores don’t matter unless you’re trying to get a loan, rent an apartment, secure insurance, buy a home, avoid paying a deposit to utility companies, or even land some jobs. OK. Unless you’re ...

Your credit score is a three-digit number that can play an outsize role in your financial life. Essentially, it is a numerical representation of your risk to creditors — i.e. how likely you are to ...

Perfect credit, or even really good credit, opens doors for American consumers. Better interest rates on loans. Better odds of renting an apartment or landing a job. Lower insurance premiums. But how ...

The average U.S. credit score is 715, according to FICO's Score Credit Insights, which examined data from April 2025. That's still in the "good" range, but it represents a two-point drop ...