Average Credit Scores Based on Your Age

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Key Takeaways

These three-digit numbers not only influence the ability to secure loans and credit cards but also affect interest rates, insurance premiums, and even employment opportunities. 

Credit scores tend to fluctuate across different age groups, reflecting various stages of financial life and responsibility. This article delves into the average credit scores in the US, examining how they evolve from one age bracket to another.


Credit scores show how healthy your finances are. They range from 300 to 850, with higher scores being better because they mean less risk for people lending you money. The FICO® score is a common type of credit score. We look at how average credit scores change with age in the US.

Understanding credit scores by age group

Emerging Credit Users (18-24)

Young adults are just beginning their credit journeys. With limited credit history and experience, the average score in this group tends to be lower. According to Experian®, one of the major credit reporting agencies, individuals in this age group have an average score of around 660. Building a credit history responsibly is crucial at this stage.

Established Credit Users (25-40)

As individuals enter their late 20s and 30s, credit scores generally improve. This age group has more time to build credit histories, recover from early missteps, and establish more stable financial habits. The average score for this demographic hovers around 680. This increase reflects a deeper credit history and possibly a more diverse mix of credit.

Experienced Credit Holders (41-56)

This age group is likely to have reached a more settled phase in their financial lives, with established credit histories and higher credit limits. However, this group also has higher debts, which can impact scores. The average credit score for people in their 40s and 50s is approximately 699.

Mature credit users (57-74)

This group tends to have the second-highest average credit scores, usually around 736. At this stage, individuals often benefit from long credit histories and have potentially paid down significant debts, such as mortgages.

Seasoned credit veterans (75 and older)

The oldest age group boasts the highest average credit scores, around 758. This reflects a lifetime of financial activity and responsibility, including very long credit histories and a tendency towards lower credit utilization rates.

Factors influencing credit scores across ages

  • Length of credit history: Generally, older individuals have longer credit histories, which can positively impact credit scores.
  • Credit utilization: Younger individuals might have lower credit limits and higher utilization rates, which can lower scores.
  • Debt levels: Higher levels of debt, especially as you age, can negatively affect credit scores.
  • Payment history: Consistent, on-time payments improve scores over time, benefiting older age groups.

Common Questions About Credit Scores

How can young adults improve their credit scores

Young adults should focus on building a credit history through responsible credit card use, paying bills on time, and keeping credit utilization low.

Does age directly affect your credit score?

No, age itself does not affect your credit score. However, the length of your credit history, which correlates with age, does.

Can you still build your credit score after 50?

Absolutely. It’s never too late to improve your credit score. Paying down existing debt and maintaining a positive payment history can significantly impact your score, regardless of age.

Is a high credit score always better?

While a high credit score can open many financial doors, it’s just one aspect of financial health. It’s also important to focus on saving, investing, and managing debt effectively.


Credit scores are a dynamic aspect of financial health, evolving with age and life stages. While younger individuals may start with lower scores due to shorter credit histories, there’s ample opportunity to improve and maintain high scores through consistent, responsible financial behavior. 

Understanding the average credit scores by age can provide valuable context, helping individuals benchmark their own scores and set goals for financial improvement. Regardless of your age, it’s never too early or too late to work towards a healthier financial future.

StellarFi (StellarFinance, Inc.) and its affiliates do not provide financial, tax, legal, or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own financial, tax, legal, and accounting advisors before engaging in any transaction. StellarFi receives a referral fee from the partners mentioned in this article.