Only 1.76% of Americans have a perfect 850 FICO® Score in 2025. Here's who they are, what they do differently, and why perfection doesn't actually matter.

In July 2025, the Federal Housing Finance Agency (FHFA) adopted the use of VantageScore 4.0 in addition to Classic FICO. 1 This study analyzes the impact of introducing a dual credit score ...

For more than a decade, Americans watched their credit scores climb steadily upward, a reassuring sign of improving financial health following the Great Recession. However, it appears the streak has ...

FICO’s inaugural Credit Insights report shows U.S. credit scores dipping as inflation and student loan payments weigh on consumers. Gen Z faces the steepest declines, with student loan debt driving ...

Drivers with good credit pay about 43% less for car insurance compared to people with poor credit. Stronger credit can help you qualify for lower security deposits and better rental terms. Premium ...

The average U.S. credit score slipped nationwide, largely due to the resumption of federal student loan delinquency reporting on U.S. consumers’ credit reports, according to FICO. The scoring agency ...

Explore average credit scores among U.S. racial groups and discover factors creating disparities. Learn why some groups face ...

With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...

The growing debt load carried by U.S. consumers is ringing alarm bells from Main Street to Wall Street. Data released this week by WalletHub paints a sobering picture of American credit health, with ...

Your credit score is the key to your financial future: It can determine whether you get approved for a credit card, car loan or mortgage, and what interest rate you'll pay. In some cases, your score ...

A zero balance credit card can impact your credit score, and here’s why. (iStock) Too many financial consumers don’t understand their credit scores, and that’s a scenario that can lead to negative ...