Where Should I Be? Average Credit Score by Age, State, and Income

Age, state, and income are three categories that can influence your credit score. Average credit scores by age show that as people get older, they tend to have better scores. Location and income also play roles. Average credit scores by income are also higher as income grows. Here's a breakdown to help you find the average credit score by age, income, and state.

What is a good credit score?

Credit scores generally range from 300 to 850. Lenders usually look for scores above 660. Higher credit scores generally mean better financial opportunities. A score of 800 or more is typically considered exceptional.

A Credit Account from Kikoff is designed to address the 3 key factors of your credit score: payment history, credit utilization, and credit mix.

Average credit score by age

Average credit scores by age are tracked by FICO. Here is a breakdown of average credit scores by age:

Average credit score by state

There can be a significant difference in average credit scores from state to state. Here are the states with the highest and lowest average credit scores:

Average credit score by income

Average credit scores by income are harder to track precisely, but studies show that people in higher income brackets generally have better credit scores. Here's a rough breakdown:

How to improve your credit score

Kikoff is the #1 way to build credit safely, quickly, and easily. Whatever your long-term goals are, Kikoff provides fair, effective, and simple tools that empower you to meet your financial goals.