Average FICO score in the US

As of February 2025, the average U.S. credit score was 715, according to FICO, the data analytics company whose credit scoring models are used in approximately 90% of lending decisions.

This figure is slightly lower than 716 in January 2025 and 717 in April 2024. The highest recorded average was 718 in April 2023.

FICO attributes the recent decline in credit scores primarily to an increase in delinquent student loan payments.

The federal pause on student loan payments and interest ended in October 2023. The Biden administration implemented a one-year grace period—lasting until September 30, 2024—during which missed or late payments were not reported to credit bureaus.

Because federal student loan delinquencies are not typically reported until they are at least 90 days past due, those late payments have only recently begun appearing on credit reports.

FICO also cited other contributing factors, including high interest rates, a rise in 90-day delinquencies across other loan types, and greater dependence on credit cards. In February 2025, Americans used an average of 36.1% of their available credit, compared to 21.3% in 2024 and 20.5% in 2023.

Although 715 remains within the “good” credit range, it is slightly below the peak average of 718 reached in April 2023.

Unusual Whales does not confirm the information's truthfulness or accuracy of the associated references, data, and cannot verify any of the information. Any content on this site or related pages are not intended to provide legal, tax, investment or insurance advice. Unusual Whales Inc. is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority (“FINRA”) or any state securities regulatory authority. Nothing on Unusual Whales should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Unusual Whales or any third party. Options, investing, trading is risky, and losses are more expected than profits. Please do own research before investing. Please only subscribe after reading our full terms and understanding options and the market, and the inherent risks of trading. It is highly recommended not to trade on this, or any, information from Unusual Whales. Markets are risky, and you will likely lose some or all of your capital. Please check our terms for full details.
Any content on this site or related pages are not intended to provide legal, tax, investment or insurance advice. Unusual Whales Inc. is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority (“FINRA”) or any state securities regulatory authority. Nothing on Unusual Whales should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Unusual Whales or any third party. Certain investment planning tools available on Unusual Whales may provide general investment education based on your input. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation. See terms for more information.