Understanding the Average Credit Score: What You Need to Know

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Understanding the Average Credit Score: What You Need to Know","alternativeHeadline":"The Average Credit Score by Age, State, and Year","image":{"@type":"ImageObject","url":"https://i.insider.com/5f2c7552f0f4194f98049525?width=1200&format=jpeg","width":1200,"height":900},"name":"The Average Credit Score by Age, State, and Year","datePublished":"2024-07-31T15:04:36Z","dateModified":"2024-08-01T20:06:44Z","description":"Discover what the average credit score is, why it matters, and how it affects your financial health.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit score services to help you make smart decisions with your money.People with higher credit scores tend to qualify for better interest rates on borrowed money, have access to the best credit cards, and can even pay less for insurance. You'll also have an easier time applying for an apartment rental. With so much riding on your credit score, it can be useful to see where you stand compared to others like you, whether it be where you live or how old you are. Here is the average credit score broken down across generations, state, and years.The average FICO credit score in the US is 717, according to the latest FICO data. The average VantageScore is 701 as of January 2024.Credit scores, which are like a grade for your borrowing history, fall in the range of 300 to 850. The higher your score, the better.The FICO model of credit scoring puts credit scores into six categories:Based on this scoring system, the average American has a good credit score. But, average credit scores varies by location and age.The average credit score looks very different between age groups. As credit scores are calculated on credit and borrowing history, older people have higher credit scores on average due to a more extensive borrowing history.Meanwhile Gen Z lags behind because they've had less time to build credit, and many members of Gen Z simply aren't old enough to have a credit score. Here's how it breaks down by age group, according to data from Experian:Note: While FICO's data indicates the average credit score is 717, Experian's data shows the average credit score at 715.Finances look very different across all 50 states, and the average credit score looks pretty different, too. While Mississippi has the lowest average credit score at 680, Minnesota has the highest credit score at 742. Here's the average credit score in each US state and the District of Columbia as of 2022, according to data from Experian:Note: Of all the state credit score averages, consumers in Southern states tend to have worse credit scores than those in other regions of the country.Americans have more consumer debt than ever before, holding an average debt of $104,215 and a total of $17.50 trillion in 2023. Despite historic levels of debt, the average credit score continues to rise. Americans actually have better credit than ever.The average score has increased by nearly 30 points in the past decade. Here's how it's risen, according to FICO data from April of each year:The period spanning from June 2009 until early 2020 became America's longest-running period of economic expansion, which ended due to the brief, pandemic-induced recession. This extended period of growth yielded low unemployment rates. This could have contributed to America's rising credit scores, with more people possessing the means to pay back debt on time. If your own score isn't rising, there is plenty of information available on the credit industry and how to raise your credit score. There is also an abundance of credit-builder products available that widen accessibility, boosting the average credit score over time. The best credit builder loans don't require a credit check or a credit score. Some credit builder products come straight from the credit bureaus themselves, such as Experian Boost, which reports regular payments like utility bills and streaming service subscription fees.There have even been changes in how credit scores are calculated, which can further improve average credit scores. For example, paid collections under $500 have been removed from consumers' credit reports and are no longer reported. Changes to how medical debt affects your credit score have also improved consumers' credit histories. Credit scores are calculated using information about your borrowing, like your credit utilization ratio, the number and types of accounts you have open, and your repayment history. All of that information is drawn from your credit report, which has a detailed borrowing history.Everyone has credit scores based on data gathered by the three major credit bureaus: Experian, Equifax, and TransUnion. There are two main credit scoring algorithms, known as FICO and VantageScore. While each one uses a slightly different calculation, your scores should generally be within a similar range. Credit scores are used to determine approval for financial products like mortgages, credit cards, and personal loans. Interest rates and loan terms will be assessed based on your credit score and payment history. Credit scores are even used for apartment rentals, car insurance, and, in some cases, employment.Keeping track of these scores is crucial if you want to build credit. You should never be paying to view your credit score. You can usually access your scores for free through your lender or financial institution. You can also access your credit score free online from sites like Credit Karma. It's a good idea to check your credit report regularly, too. You can get three annual reports, one from each credit bureau, which you can access through AnnualCreditReport.com. It's not uncommon for a report to contain an error affecting your score, but it's up to you to find any such error. If you do find one, you can dispute your credit report with the agency. Payment historyThis is the most important factor and has the biggest impact on your score. A positive payment history is best; even one late or missed payment can negatively impact your score. Be sure to make all payments on time.Credit utilizationThis is the amount of your available credit that you're using. Keeping your available credit high and your debts low can help your score.Credit mixThis refers to your different loan accounts, such as credit cards, mortgages, student loans, and car loans. Being able to handle a mix of different credit accounts can positively impact your credit score. Length of credit historyThe length of time you've had credit can also impact your score. The longer you have had positive credit history the better it is for your score. Your credit scores play a big role in your financial freedom. It figures into everything from qualifying for a mortgage or credit card to the rate you pay on your auto insurance. Bad credit can make your life difficult. But there are always things you can do to improve your credit score, including:If you don't have any credit history, it becomes challenging to borrow, making it hard to build a credit history. That's why some credit card issuers provide specific secured credit cards for people to use temporarily to build credit from scratch. You can also see our picks for the best starter credit cards here.You can also use a credit-builder product, like a debit card that reports payments to the credit bureaus or a credit-builder loan, to build a credit history. The best credit builder loans don't require a credit history, so you can qualify even if you've never borrowed money before. You can subscribe to a credit monitoring service to help you keep track of your progress. The best credit monitoring services are even free.The largest determining factor in credit scores is your payment history. Making your payments on time every month is the single most important thing you can do.The average credit score for first-time homebuyers is usually around 728.A late payment lowers your credit score. Just one late payment can make a big difference.Yes, you can improve your credit quickly by paying down high balances and ensuring timely payments.","articleSection":"Personal Finance, Credit, Credit Score","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the largest determining factor in credit scores?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The largest determining factor in credit scores is your payment history. Making your payments on time every month is the single most important thing you can do.</p>"}},{"@type":"Question","name":"What is the average credit score for first-time homebuyers?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\" data-pm-slice=\"1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]\">The average credit score for first-time homebuyers is usually around 728.</p>"}},{"@type":"Question","name":"What lowers a credit score?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A late payment lowers your credit score. Just one late payment can make a big difference.</p>"}},{"@type":"Question","name":"Can I improve my credit score quickly?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\" data-pm-slice=\"1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]\">Yes, you can improve your credit quickly by paying down high balances and ensuring timely payments.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-score","name":"Credit Score"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-score/average-credit-score","name":"The Average Credit Score by Age, State, and Year"}}]} </script> 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data-track-click="{"product_field":"Credit Score","element_name":"breadcrumbs","event":"navigation"}" > Credit Score </a> </span> </div> <h1 class="post-headline ">The Average Credit Score by Age, State, and Year</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Jennifer Streaks" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/jennifer-streaks" >Jennifer Streaks</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/libby-kane" >Libby Kane</a> </div> <time 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<a href="#factors-influencing-the-average-credit-score" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Factors influencing the average credit score </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-score/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit score services</a> to help you make smart decisions with your money.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><ul class="summary-list"> <li>The average credit score in the US is 717, according to a report from FICO.</li> <li>High interest rates and lingering inflation contribute to more missed payments and debt levels.</li> <li>Minnesota has the highest average credit score at 742, while Mississippi has the lowest average at 680.</li> </ul><p>People with higher credit scores tend to qualify for better interest rates on borrowed money, have access to the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-analytics-product-module="body_link" rel="">best credit cards</a>, and can even pay less for insurance. You'll also have an easier time applying for an apartment rental. </p><p>With so much riding on your credit score, it can be useful to see where you stand compared to others like you, whether it be where you live or how old you are. Here is the average credit score broken down across generations, state, and years.</p><h2>What is the average credit score?</h2><p>The average FICO credit score in the US is 717, according to the latest <a href="https://www.fico.com/blogs/average-us-fico-score-717-more-consumers-face-financial-headwinds" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">FICO data</a>. The average <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-vantagescore" data-analytics-product-module="body_link" rel="">VantageScore</a> is 701 as of January 2024.</p><h3>Definition and explanation</h3><p><a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-a-credit-score" data-analytics-product-module="body_link" rel="">Credit scores</a>, which are like a grade for your borrowing history, fall in the range of 300 to 850. The higher your score, the better.</p><p>The <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-fico-score" data-analytics-product-module="body_link" rel="">FICO</a> model of credit scoring puts credit scores into six categories:</p><ul><li><strong>Very poor:</strong> 300-579</li><li><strong>Poor:</strong> 580-600</li><li><strong>Fair: </strong>601-660</li><li><strong>Good: </strong>670-739</li><li><strong>Very good: </strong>740-799</li><li><strong>Exceptional: </strong>800-850</li></ul><p>Based on this scoring system, the average American has a <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-a-good-credit-score" data-analytics-product-module="body_link" rel="">good credit score</a>. But, average credit scores varies by location and age.</p><iframe data-load-strategy="lazy" data-src="https://products.gobankingrates.com/pub/4a1ed106-7289-11ed-9a44-0a919b37cd73" scrolling="no" frameborder="0" width="100%" height="139px" style="max-width:595px;max-height:150px;"></iframe><h2 data-toc-label="Average credit score by age" id="average-credit-score-by-age" class="toc-anchor">Average credit score by age</h2><p>The average credit score looks very different between age groups. As <a href="https://www.businessinsider.com/personal-finance/credit-score/how-is-credit-score-calculated" data-analytics-product-module="body_link" rel="">credit scores are calculated</a> on credit and borrowing history, older people have higher credit scores on average due to a more extensive borrowing history.</p><p>Meanwhile Gen Z lags behind because they've had less time to build credit, and many members of Gen Z simply aren't old enough to have a credit score. Here's how it breaks down by age group, according to data from <a href="https://www.experian.com/blogs/ask-experian/consumer-credit-review/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Experian</a>:</p><div class="horizontal-scroll"><table style="height: 127px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px" class="table-content"><tbody class="table-content-body"><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Generation</strong></td><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Average credit score (FICO) in 2023</strong></td></tr><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold">Generation Z (18-25)</td><td style="width: 50%;" data-sheets-value="{"1":3,"3":679}" class="headline-regular">680</td></tr><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold">Millennials (26-41)</td><td style="width: 50%;" data-sheets-value="{"1":3,"3":687}" class="headline-regular">690</td></tr><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold">Generation X (42-57)</td><td style="width: 50%;" data-sheets-value="{"1":3,"3":706}" class="headline-regular">709</td></tr><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold">Baby boomers (58-76)</td><td style="width: 50%;" data-sheets-value="{"1":3,"3":742}" class="headline-regular">745</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Silent generation (77+)</td><td style="width: 50%;" data-sheets-value="{"1":3,"3":760}" class="headline-regular">760</td></tr></tbody></table></div><aside class="quick-tip headline-regular ignore-typography"><p><strong>Note:</strong> While FICO's data indicates the average credit score is 717, Experian's data shows the average credit score at 715.</p></aside><h2 data-toc-label="Average credit score by state" id="average-credit-score-by-state" class="toc-anchor">Average credit score by state</h2><p>Finances look very different across all 50 states, and the average credit score looks pretty different, too. While Mississippi has the lowest average credit score at 680, Minnesota has the highest credit score at 742.<strong style="color: #ff00ff;"> </strong>Here's the average credit score in each US state and the District of Columbia as of 2022, according to data from Experian:</p><div class="horizontal-scroll"><table style="height: 1143px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px" class="table-content"><tbody class="table-content-body"><tr style="height: 21px;"><td style="width: 34.0145%; height: 21px;" data-sheets-value="{"1":2,"2":"State"}" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">State</strong></td><td style="width: 34.2658%; height: 21px;" data-sheets-value="{"1":2,"2":"Average credit score (FICO) in 2019"}" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Average credit score (FICO) in 2023</strong></td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Alabama"}" class="headline-regular headline-semibold">Alabama</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":692}" class="headline-regular">692</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Alaska"}" class="headline-regular headline-semibold">Alaska</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":722}" class="headline-regular">722</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Arizona"}" class="headline-regular headline-semibold">Arizona</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":713}" class="headline-regular">713</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Arkansas"}" class="headline-regular headline-semibold">Arkansas</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":696}" class="headline-regular">696</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"California"}" class="headline-regular headline-semibold">California</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":722}" class="headline-regular">722</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Colorado"}" class="headline-regular headline-semibold">Colorado</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":731}" class="headline-regular">731</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Connecticut"}" class="headline-regular headline-semibold">Connecticut</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":726}" class="headline-regular">726</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Delaware"}" class="headline-regular headline-semibold">Delaware</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":715}" class="headline-regular">715</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"District Of Columbia"}" class="headline-regular headline-semibold">District Of Columbia</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":715}" class="headline-regular">715</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Florida"}" class="headline-regular headline-semibold">Florida</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":708}" class="headline-regular">708</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Georgia"}" class="headline-regular headline-semibold">Georgia</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":695}" class="headline-regular">695</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Hawaii"}" class="headline-regular headline-semibold">Hawaii</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":732}" class="headline-regular">732</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Idaho"}" class="headline-regular headline-semibold">Idaho</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":729}" class="headline-regular">729</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Illinois"}" class="headline-regular headline-semibold">Illinois</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":720}" class="headline-regular">720</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Indiana"}" class="headline-regular headline-semibold">Indiana</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":713}" class="headline-regular">713</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Iowa"}" class="headline-regular headline-semibold">Iowa</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":730}" class="headline-regular">730</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Kansas"}" class="headline-regular headline-semibold">Kansas</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":723}" class="headline-regular">723</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Kentucky"}" class="headline-regular headline-semibold">Kentucky</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":705}" class="headline-regular">705</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Louisiana"}" class="headline-regular headline-semibold">Louisiana</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":690}" class="headline-regular">690</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Maine"}" class="headline-regular headline-semibold">Maine</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":731}" class="headline-regular">731</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Maryland"}" class="headline-regular headline-semibold">Maryland</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":716}" class="headline-regular">716</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Massachusetts"}" class="headline-regular headline-semibold">Massachusetts</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":732}" class="headline-regular">732</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Michigan"}" class="headline-regular headline-semibold">Michigan</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":719}" class="headline-regular">719</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Minnesota"}" class="headline-regular headline-semibold">Minnesota</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":742}" class="headline-regular">742</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Mississippi"}" class="headline-regular headline-semibold">Mississippi</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":680}" class="headline-regular">680</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Missouri"}" class="headline-regular headline-semibold">Missouri</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":714}" class="headline-regular">714</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Montana"}" class="headline-regular headline-semibold">Montana</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":732}" class="headline-regular">732</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Nebraska"}" class="headline-regular headline-semibold">Nebraska</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":731}" class="headline-regular">731</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Nevada"}" class="headline-regular headline-semibold">Nevada</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":702}" class="headline-regular">702</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"New Hampshire"}" class="headline-regular headline-semibold">New Hampshire</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":736}" class="headline-regular">736</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"New Jersey"}" class="headline-regular headline-semibold">New Jersey</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":725}" class="headline-regular">725</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"New Mexico"}" class="headline-regular headline-semibold">New Mexico</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":702}" class="headline-regular">702</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"New York"}" class="headline-regular headline-semibold">New York</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":721}" class="headline-regular">721</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"North Carolina"}" class="headline-regular headline-semibold">North Carolina</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":709}" class="headline-regular">709</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"North Dakota"}" class="headline-regular headline-semibold">North Dakota</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":733}" class="headline-regular">733</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Ohio"}" class="headline-regular headline-semibold">Ohio</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":716}" class="headline-regular">716</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Oklahoma"}" class="headline-regular headline-semibold">Oklahoma</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":696}" class="headline-regular">696</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Oregon"}" class="headline-regular headline-semibold">Oregon</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":732}" class="headline-regular">732</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Pennsylvania"}" class="headline-regular headline-semibold">Pennsylvania</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":723}" class="headline-regular">723</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Rhode Island"}" class="headline-regular headline-semibold">Rhode Island</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":722}" class="headline-regular">722</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"South Carolina"}" class="headline-regular headline-semibold">South Carolina</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":699}" class="headline-regular">699</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"South Dakota"}" class="headline-regular headline-semibold">South Dakota</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":734}" class="headline-regular">734</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Tennessee"}" class="headline-regular headline-semibold">Tennessee</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":705}" class="headline-regular">705</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Texas"}" class="headline-regular headline-semibold">Texas</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":695}" class="headline-regular">695</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Utah"}" class="headline-regular headline-semibold">Utah</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":731}" class="headline-regular">731</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Vermont"}" class="headline-regular headline-semibold">Vermont</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":737}" class="headline-regular">737</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Virginia"}" class="headline-regular headline-semibold">Virginia</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":722}" class="headline-regular">722</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Washington"}" class="headline-regular headline-semibold">Washington</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":735}" class="headline-regular">735</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"West Virginia"}" class="headline-regular headline-semibold">West Virginia</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":703}" class="headline-regular">703</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Wisconsin"}" class="headline-regular headline-semibold">Wisconsin</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":737}" class="headline-regular">737</td></tr><tr style="height: 22px;"><td style="width: 34.0145%; height: 22px;" data-sheets-value="{"1":2,"2":"Wyoming"}" class="headline-regular headline-semibold">Wyoming</td><td style="width: 34.2658%; height: 22px;" data-sheets-value="{"1":3,"3":724}" class="headline-regular">724</td></tr></tbody></table></div><aside class="quick-tip headline-regular ignore-typography"><p><strong>Note:</strong> Of all the <a href="https://www.businessinsider.com/personal-finance/credit-score/states-with-best-worst-credit-scores" data-analytics-product-module="body_link" rel="">state credit score averages</a>, consumers in Southern states tend to have worse credit scores than those in other regions of the country.</p></aside><h2 data-toc-label="Average credit score by year" id="average-credit-score-by-year" class="toc-anchor">Average credit score by year</h2><p>Americans have more consumer debt than ever before, holding an <a href="https://www.businessinsider.com/personal-finance/credit-score/average-american-debt" data-analytics-product-module="body_link" rel="">average debt</a> of $104,215 and a total of $17.50 trillion in 2023. Despite historic levels of debt, the average credit score continues to rise. Americans actually have better credit than ever.</p><p>The average score has increased by nearly 30 points in the past decade. Here's how it's risen, according to <a href="https://www.fico.com/blogs/average-us-fico-score-718" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">FICO data</a> from April of each year:</p><div class="horizontal-scroll"><table style="height: 236px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px" class="table-content"><tbody class="table-content-body"><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Year</strong></td><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Average credit score (FICO) by year</strong></td></tr><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold">April 2013</td><td style="width: 50%; height: 21px;" class="headline-regular">691</td></tr><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold">April 2014</td><td style="width: 50%; height: 21px;" class="headline-regular">692</td></tr><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold">April 2015</td><td style="width: 50%; height: 21px;" class="headline-regular">695</td></tr><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold">April 2016</td><td style="width: 50%; height: 21px;" class="headline-regular">699</td></tr><tr style="height: 21px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold">April 2017</td><td style="width: 50%; height: 21px;" class="headline-regular">700</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">April 2018</td><td style="width: 50%; height: 22px;" class="headline-regular">704</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">April 2019</td><td style="width: 50%; height: 22px;" class="headline-regular">706</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">April 2020</td><td style="width: 50%; height: 22px;" class="headline-regular">708</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">April 2021</td><td style="width: 50%; height: 22px;" class="headline-regular">716</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">April 2022</td><td style="width: 50%; height: 22px;" class="headline-regular">716</td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold">April 2023</td><td style="width: 50%;" class="headline-regular">718</td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold">April 2024</td><td style="width: 50%;" class="headline-regular">717</td></tr></tbody></table></div><p>The period spanning from June 2009 until early 2020 became America's longest-running period of economic expansion, which ended due to the brief, pandemic-induced <a href="https://www.businessinsider.com/personal-finance/investing/recession-vs-depression" data-analytics-product-module="body_link" rel="">recession</a>. This extended period of growth yielded low unemployment rates. This could have contributed to America's rising credit scores, with more people possessing the means to pay back debt on time. </p><p>If your own score isn't rising, there is plenty of information available on the credit industry and how to raise your credit score. There is also an abundance of credit-builder products available that widen accessibility, boosting the average credit score over time. The <a href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-builder-loans" data-analytics-product-module="body_link" rel="">best credit builder loans</a> don't require a credit check or a credit score. Some credit builder products come straight from the credit bureaus themselves, such as <a href="https://www.businessinsider.com/personal-finance/credit-score/experian-boost-review" data-analytics-product-module="body_link" rel="">Experian Boost</a>, which reports regular payments like utility bills and streaming service subscription fees.</p><p>There have even been changes in how credit scores are calculated, which can further improve average credit scores. For example, paid collections under $500 have been removed from consumers' credit reports and are no longer reported. Changes to how <a href="https://www.businessinsider.com/personal-finance/credit-score/does-medical-debt-affect-credit-score" data-analytics-product-module="body_link" rel="">medical debt affects your credit score</a> have also improved consumers' credit histories. </p><h2>How are credit scores used?</h2><p>Credit scores are calculated using information about your borrowing, like your <a href="https://www.businessinsider.com/personal-finance/credit-score/credit-utilization-ratio" data-analytics-product-module="body_link" rel="">credit utilization ratio</a>, the number and types of accounts you have open, and your repayment history. All of that information is drawn from your <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-credit-report" data-analytics-product-module="body_link" rel="">credit report</a>, which has a detailed borrowing history.</p><p>Everyone has credit scores based on data gathered by the three major <a href="https://www.businessinsider.com/personal-finance/credit-score/credit-bureau-experian-equifax-transunion" data-analytics-product-module="body_link" rel="">credit bureaus</a>: Experian, Equifax, and TransUnion. There are two main credit scoring algorithms, known as <a href="https://www.businessinsider.com/personal-finance/credit-score/fico-vs-vantagescore" data-analytics-product-module="body_link" rel="">FICO and VantageScore</a>. While each one uses a slightly different calculation, your scores should generally be within a similar range. </p><p>Credit scores are used to determine approval for financial products like mortgages, credit cards, and personal loans. Interest rates and loan terms will be assessed based on your credit score and payment history. Credit scores are even used for apartment rentals, car insurance, and, in some cases, employment.</p><p>Keeping track of these scores is crucial if you want to build credit. You should never be paying to view your credit score. You can usually access your scores for free through your lender or financial institution. You can also access your credit score free online from sites like <a href="https://www.businessinsider.com/personal-finance/credit-score/credit-karma-credit-builder-review" data-analytics-product-module="body_link" rel="">Credit Karma</a>. </p><p>It's a good idea to check your credit report regularly, too. You can get three annual reports, one from each credit bureau, which you can access through <a href="https://www.annualcreditreport.com/index.action" target="_blank" rel="noopener nofollow sponsored" data-analytics-product-module="body_link">AnnualCreditReport.com</a>.  It's not uncommon for a report to contain an error affecting your score, but it's up to you to find any such error. If you do find one, you can <a href="https://www.businessinsider.com/personal-finance/credit-score/how-to-dispute-credit-report-improve-credit" data-analytics-product-module="body_link" rel="">dispute your credit report</a> with the agency. </p><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]" data-toc-label="Factors influencing the average credit score" id="factors-influencing-the-average-credit-score" class="toc-anchor">Factors influencing the average credit score</h2><p><strong>Payment history</strong></p><p>This is the most important factor and has the biggest impact on your score. A positive payment history is best; even one late or missed payment can negatively impact your score. Be sure to make all payments on time.</p><p><strong>Credit utilization</strong></p><p>This is the amount of your available credit that you're using. Keeping your available credit high and your debts low can help your score.</p><p><strong>Credit mix</strong></p><p>This refers to your different loan accounts, such as credit cards, mortgages, student loans, and car loans. Being able to handle a mix of different credit accounts can positively impact your credit score. </p><p><strong>Length of credit history</strong></p><p>The length of time you've had credit can also impact your score. The longer you have had positive credit history the better it is for your score. </p><h2>How to strengthen your credit score</h2><p>Your credit scores play a big role in your financial freedom. It figures into everything from qualifying for a mortgage or credit card to the rate you pay on your auto insurance. <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-a-bad-credit-score" data-analytics-product-module="body_link" rel="">Bad credit</a> can make your life difficult. But there are always things you can do to <a href="https://www.businessinsider.com/personal-finance/credit-score/how-to-improve-credit-score" data-analytics-product-module="body_link" rel="">improve your credit score</a>, including:</p><ul><li>Making all your loan, credit card, and other monthly payments on time is essential</li><li><a href="https://www.businessinsider.com/personal-finance/credit-score/how-to-pay-off-debt-fast" rel="">Pay off debts</a> and bring past due accounts current</li><li>Pay your credit card balances in full each month</li><li>Avoid applying for new credit unless you really need it</li><li>Keep unused credit accounts open</li></ul><p>If you don't have any credit history, it becomes challenging to borrow, making it hard to build a credit history. That's why some credit card issuers provide specific <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-secured-credit-cards" data-analytics-product-module="body_link" rel="">secured credit cards</a> for people to use temporarily to build credit from scratch. You can also see our picks for the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-analytics-product-module="body_link" rel="">best starter credit cards</a> here.</p><p>You can also use a credit-builder product, like a debit card that reports payments to the credit bureaus or a credit-builder loan, to build a credit history. The <a href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-builder-loans" data-analytics-product-module="body_link" rel="">best credit builder loans</a> don't require a credit history, so you can qualify even if you've never borrowed money before. </p><p>You can subscribe to a credit monitoring service to help you keep track of your progress. The <a href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-monitoring-services" data-analytics-product-module="body_link" rel="">best credit monitoring services</a> are even free.</p><h2>Frequently asked questions about average credit scores</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the largest determining factor in credit scores? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The largest determining factor in credit scores is your payment history. Making your payments on time every month is the single most important thing you can do.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the average credit score for first-time homebuyers? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer" data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">The average credit score for first-time homebuyers is usually around 728.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What lowers a credit score?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A late payment lowers your credit score. Just one late payment can make a big difference.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I improve my credit score quickly? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer" data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Yes, you can improve your credit quickly by paying down high balances and ensuring timely payments.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/63fc102c-ec11-4275-8058-84bf3767dcc9?targeting[subcategory]=credit&resize=1&ident=99&pub_inventory=credit-score/average-credit-score-pfi-credit" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/jennifer-streaks" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="jennifer-streaks"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62f3e3cecc15bf00182fc9c4?crop=1:1&width=256&format=jpeg&auto=webp" alt="Jennifer Streaks"> <noscript> <img src="https://i.insider.com/62f3e3cecc15bf00182fc9c4?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/jennifer-streaks" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Jennifer Streaks</div> </a> <div class="post-author_title headline-regular">Senior Personal Finance Reporter and Spokesperson</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Jennifer Streaks is a Personal Finance Expert and Journalist who writes about credit and all things money for Business Insider. Committed to financial literacy and economic empowerment, she has covered financial topics for over a decade, writing about her own experiences and sharing her expertise to give consumers actionable financial advice.</span><span>Along with exploring credit scores, credit reports, and how to build credit, Jennifer analyzes how current economic trends impact everyday people and offers her expert advice on budgeting, saving, and growing wealth in today’s economy. She regularly appears as an on-air financial commentator on programs like Good Morning America, Yahoo! Finance, CBS, and MSNBC.</span><span><span class="headline-semibold">Experience</span></span><span>Before joining Business Insider, Jennifer was a financial contributor for CNBC and covered personal finance, entrepreneurship, tech, and the economy for Forbes. Her work has appeared in TheGrio, Black Enterprise, and USA Today. </span><span>Jennifer is also the author of "<a href="https://www.amazon.com/Thrive-Affordably-month-month-breaking/dp/0692625941" rel=" nofollow">Thrive! ... Affordably: Your Month-to-Month Guide to Living Your Best Life Without Breaking the Bank</a>." The book offers advice, tips, and financial management lessons geared toward helping the reader highlight strengths, identify missteps, and take control of their finances.</span><span>Jennifer’s most important financial advice to her friends is to <em>always</em> have an emergency fund.</span><span><span class="headline-semibold">Expertise</span></span><span>Jennifer’s expertise includes:</span><ul><li><span>Credit scores</span></li><li><span>Credit history</span></li><li><span>Credit reports</span></li><li><span>Budgeting</span></li><li><span>Saving </span></li><li><span>Housing </span></li><li><span>Retirement</span></li><li><span>The economy</span></li><li><span>Financial trends</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Jennifer earned an MBA from The Johns Hopkins University Carey School of Business and completed the Wharton Seminar for Business Journalists.</span><span>Jennifer is based in New York City.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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