What’s the Average Credit Score?

Many consumers often wonder, “what’s the average credit score anyway?” A fair question, as the debt market is competitive and an above average credit score should get you a lower rate on any loan, all else equal.

To answer this question, we look to the Experian National Score Index, a powerful barometer of the nation’s credit health. Let’s look at a regional breakdown of credit scores:

Experian National Score Index PLUS Credit Score

• US National Credit Score: 692
• Pacific Region Regional Average Score:693
• Mountain Region Regional Average Score:688
• West North Central Regional Average Credit Score:708
• West South Central Regional Average Credit Score:683
• East North Central Region Credit Score:698
• East South Central Regional Average Credit Score:683
• South Atlantic Regional Average Credit Score:685
• Middle Atlantic Regional Average Credit Score:702
• New England Regional Average Credit Score:711

The scale used here is bounded between 330 and 830, and is not the FICO score, but rather is the P.L.U.S score where the acryonym stands for Plan Live Understand Succeed.

FICO scores, calculated by Fair Isaac range from 300 to 850, higher being better and the median score as reported by MyFico.com is 723. Now, assuming you have your credit score and are reading this to compare your credit score with the average US citizen’s credit score – check out the estimated impact on your ability to utilize leverage in purchasing assets.

FICO score range payments

The monthly payment differences are substantial and over the life of the typical 30 year fixed rate mortgage, serious money is at stake!