In the U.S., the average credit score is 716, per Experian's latest data from the second quarter of 2023.
And when you break down the average credit score by age, the typical American is hovering near or above that score.
For members of Gen Z, defined as those between 18 and 26, the average credit score is 680, according to Experian.
Meanwhile, the average credit score for people 78 or older, categorized as the silent generation, is 761 — the highest of the generational cohorts.
Older Americans have had more time to build and manage their credit than younger Americans who are just starting out.
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