Average FICO Scores are generally higher among older age groups, but your age does not determine a FICO Score or VantageScore.
Say you check your score, see 685, and immediately wonder, “Is that good for someone my age?” It is a fair question. Still, the comparison only tells you how your score sits next to a broad group average.
FICO does not use your age when calculating your score, and the “good,” “fair,” or “very good” ranges do not change when you turn 25, 40, or 65. Lenders may also look at your income, debts, credit history, requested amount, and other information.
If you are not sure where you stand yet, start by learning how to check your credit score.
KEY TAKEAWAYS
- Average FICO Scores are generally higher among older age groups.
- Your age is not part of the FICO Score calculation.
- A “good” credit score means the same thing at 20, 40, or 70.
- Lenders generally care about your actual application, not whether you beat your age group’s average.
What Is the Average Credit Score by Age?
Here is the latest average FICO Score data by generation published by Experian, based on consumer credit data from June 2026.
| Generation (Age in 2026) | Average FICO Score | FICO Rating |
| Generation Z (18–29) | 678 | Good |
| Millennials (30–45) | 690 | Good |
| Generation X (46–61) | 710 | Good |
| Baby Boomers (62–80) | 747 | Very Good |
| Silent Generation (81+) | 760 | Very Good |
Source: Experian consumer credit data from June 2026. Ages are as of 2026. Ratings are based on FICO’s published base-score ranges.
There is a clear pattern here. The youngest group has the lowest average, while the two oldest groups sit in FICO’s “very good” range. But the table needs a little context before you turn it into a personal scorecard.
Younger adults often have shorter credit histories simply because they haven’t had as much time to hold reported accounts. Someone who opened their first card two years ago cannot have a 15-year credit history. Older consumers, meanwhile, may have accounts that have been open much longer, along with a longer record of reported payments.
That does not mean getting older adds points to your score. These are averages across groups, not predictions. A 23-year-old can have an exceptional score. A 63-year-old can have a low one. What matters is the information in each person’s credit file and how the scoring model evaluates it. FICO confirms that age itself is not included in a FICO Score.
Why Do Average Credit Scores Tend to Rise With Age?
Think of your credit history a little like a track record. The longer your credit history exists, the more information a scoring model may have to work with, assuming active accounts are being reported.
FICO considers several broad areas when calculating a score: payment history, amounts owed, length of credit history, new credit, and credit mix. Length of credit history includes details such as the age of your oldest account, newest account, and the average age of your accounts.
That helps explain part of the age pattern. For example, a 22-year-old who recently opened two credit cards may have a shorter average account age. A 52-year-old might still have a card opened 20 years ago, along with a long payment history. The second profile simply has more history.
But “longer” does not automatically mean “better.” Missed payments, high revolving balances, or frequent new applications can weigh on a score. On the other hand, someone with a much shorter credit file can still build a strong score by managing reported accounts well.
There is also no reason to take out a loan or open another card just because you think your credit file needs more variety. FICO advises consumers to apply for and open new accounts only as needed.
Does Your Age Affect Your Credit Score?
Not in a FICO Score or VantageScore. Both companies say a consumer’s age is not used to calculate those scores. What can matter is the age of the accounts in the credit file, which is different. Your date of birth may appear in your credit file as identifying information, but turning another year older does not add points to either score.
A separate rule applies to lending decisions. The Equal Credit Opportunity Act generally prohibits creditors from discriminating against applicants because of age, provided the applicant can legally enter a contract. Regulation B permits age to be considered in limited circumstances, including certain statistically sound credit-scoring systems. That is different from comparing your score with the average for people your age.
What Is a Good Credit Score for Your Age?
There is no special credit score scale for your 20s, 30s, 50s, or 70s. The same ranges used to explain what a good credit score is apply at every age. For base FICO Scores, the commonly used ranges are:
- 300 to 579: Poor
- 580 to 669: Fair
- 670 to 739: Good
- 740 to 799: Very Good
- 800 to 850: Exceptional
So if your FICO Score is 705, it falls in the “good” range whether you are 21 or 71. Being above your age group’s average does not move you into a different formal category.
You may also see a VantageScore instead of a FICO Score when checking your credit. VantageScore uses its own model and credit tiers, so two services can show different numbers or labels for the same person. Your lender may use another version of the score.
That is why it helps to know which model you are looking at before making comparisons.
Is 670 a Good Credit Score for a 20-Year-Old?
Yes, if you are looking at a FICO Score. A 670 sits right at the start of FICO’s “good” range, and that classification does not change based on your age.
It may also be close to or above the average for some younger consumers, depending on the data set being used. Still, that comparison does not guarantee loan approval or a certain interest rate.
The model matters too. A score shown by a service using VantageScore may be calculated or categorized differently. The same principle applies when interpreting a specific number, such as a 643 credit score: the model and the rest of the consumer’s credit profile still matter.
Does Being Above or Below the Average for Your Age Affect Your Loan Options?
Usually, not in the way people assume. A lender generally does not decide whether to approve your application by checking if your score is higher than the average for your age. Your actual credit and financial profile matters more. The same is true for someone considering a personal loan with a 620 credit score: the age-group average does not determine the lender’s decision.
Depending on the lender and loan, that may include your credit score and history, income and employment information, current debts, requested loan amount, repayment term, and the lender’s own underwriting rules.
Here is a simple example. Two 30-year-old applicants both have a 680 credit score. One earns a steady income, carries little existing debt, and wants to borrow $2,000. The other already has several large monthly debt payments and requests $15,000. Their ages match, their scores match, but their applications do not.
The reverse is also worth remembering. Being above your age group’s average does not guarantee approval or favorable terms. Being below it does not automatically shut the door either.
How Should You Use the Average Credit Score for Your Age?
First, check which scoring model produced your score. Compare a FICO Score with FICO data rather than a VantageScore average. Next, check when the age-group data was collected, because national and age-group averages can change over time.
More importantly, track your own direction. If your score has moved from 630 to 680 while you have been paying on time and lowering balances, that progress can tell you more about your credit habits than whether someone your age averages 690.
And if you are considering a loan, bring the focus back to the real decision: what you can afford, what the lender requires, and what the loan will cost if you are approved.
Conclusion
The average credit score by age can give you useful context, but it is not a financial milestone you need to hit by a certain birthday. Your age does not set your FICO range or automatically determine a lender’s decision. Pay more attention to the scoring model, the information in your credit file, how your score changes over time, and whether any borrowing you consider fits your budget.
Frequently Asked Questions
What Is the Average Credit Score at Age 25?
Experian does not report an average credit score for 25-year-olds alone in the 2026 data used above. Age 25 falls within Generation Z, defined as ages 18 to 29. That group had an average FICO Score of 678. Use 678 as a group comparison, not as the exact average specifically for 25-year-olds.
What Is the Average Credit Score at Age 30?
Age 30 falls within the millennial group in Experian’s 2026 data, which covers ages 30 to 45. The group’s average FICO Score was 690. Again, that is an average for the full age band, not a statistic calculated specifically for people who are exactly 30.
Do Credit Scores Automatically Increase With Age?
No. Getting older does not add points to your FICO Score. Average scores tend to be higher among older groups, but changes in your own score depend on the information in your credit files, including payment history, balances, account age, and new credit activity.
Can You Get a Loan With a Score Below the Average for Your Age?
Possibly. An age-group average is not a lender requirement. Depending on the lender and loan type, a lender may consider your actual score, credit history, income, debts, requested amount, and other criteria. Approval and terms are not guaranteed.
Is It Bad to Have a Credit Score Below Your Age Group’s Average?
Not necessarily. An average describes a large group and does not diagnose your financial health or determine how a lender will evaluate a loan request. Focus on the factors affecting your own score, whether borrowing is necessary, and whether the payment and total cost fit your budget.