A credit score is a three-digit number, usually on a scale of 300-850, that lenders and credit card issuers use to help them decide whether to approve your credit application. The higher your ...

The average U.S. FICO® Score is 715, according to credit monitoring bureau Experian, where it's remained since 2023. FICO is the data analytics firm whose scoring models are used in 90% of lending ...