Consumer Credit Insights

Compare your credit score to the rest of the country.


VantageScore empowers you to take action.


Credit-scoring models "rank order" people based on the information in their credit files.  In other words, they make an estimation of your risk as compared to the broader population. That's why it's helpful to understand your score — and how it compares to others. 

Below, you can access information to help you see how you compare. These charts provide the overall national average credit score and the average credit score by state, as well as income level. By understanding this information, you can see how a lender might perceive your score. 


U.S. Consumer Average VantageScore® Credit Score Trend

U.S. Consumer Average VantageScore® Credit Score Trend

Transparency

Since its inception in 2006, VantageScore Solutions, LLC has taken steps to counter the secretive reputation that the credit score modeling industry had been known for and provide transparency to lenders and consumers. We've taken the lead role in helping consumers understand credit scoring and the factors that affect creditworthiness. VantageScore’s commitment is to share and be open.

Timely Data

We refresh this page every month so you can keep track of how you stack up.

Average VantageScore® Credit Score by State
VantageScore® Risk Tiers Trends

VantageScore® Risk Tiers Trends
VantageScore® Risk Tiers Trends By Age Group and Income Class