What is the average credit score for a 25-year-old?

The average 25-year-old is the upper limit for Gen Z and the average FICO® credit score for Gen Z (between ages 18-25 years) is 679, according to 2022 Experian® data. This falls in the lower limit of the “good” credit score range (670-739).

This score is just a reference number. Each person’s financial position and credit history are unique. If you have a lower or higher score than 679 at age 25, it does not mean you are bad or good with credit. How long your credit account has been active, how many payments you’ve made on time so far, how much credit you’ve used, and how much credit is available to you are all factors in determining your credit score. Consistent good credit behavior helps to build up your credit score and maintain it.

Some people may have a credit score before they turn 18 because they were added as authorized users on someone else’s card. However, that does not necessarily mean they will have better credit scores when they reach 25.