Where Does Your Credit Score Stand Compared to the National Average?

Core Insights - The national average credit score in the U.S. is 715 as of September 2024, according to Experian [2][4] - Credit scores are crucial for determining interest rates on loans and creditworthiness [3][4] - The average credit score has plateaued since 2021, with a noted decline since mid-2023 due to rising student loan delinquencies [6] State and Demographic Analysis - States with the lowest average credit scores include Mississippi (680), Alabama, Georgia, Louisiana, and Texas (690-695) [5] - The highest average credit scores are found in Minnesota (742) and Wisconsin (738), with other states like Washington, Vermont, and New Hampshire also above 735 [5] - Women have slightly lower average credit scores (704) compared to men (705), and older Americans tend to have higher credit scores due to longer credit histories [8]