Here’s How Credit Scores Have Changed Over the Past 5 Years — and What It Means for Your Money

The past five years were anything but typical for borrowers. Read Next: Experts Reveal the Exact Credit Score Needed for the Best Mortgage Rates in 2026 Check Out: 4 Safe Accounts Proven To Grow Your Money Up To 13x Faster Credit scores rose during the early pandemic years, then declined more recently as household debt increased and missed payments became more common. Those changes have impacted how much borrowing costs today. What Changed With Scores Over the Past 5 Years A credit score is a number le ...