What is a good credit score for a 21-year-old?

At 21 years old you are just three years into your credit building journey if you opened your first credit account at 18. Some 21-year-olds may already have a credit file even before turning 18 if they were added to their parent or guardian’s credit card(s) as an authorized user. This may give you a good head start on building up to a good credit score when you reach your 20s.
The average credit score for people between the ages of 18-24 is 679, which falls under the lower limit of a good FICO® Score (670-739), according to 2022 Experian® data. Between ages 18-21, you can develop and maintain good credit behavior, like paying your bills on time, using your credit card sparingly, and focusing on savings more than spending.

Other factors to focus on at this stage are managing your student loans and paying them off consistently once you have a stable job. Your income and employment status will also become important factors for loan and credit card approvals as you enter adulthood.