Average FICO score drops again due mostly to student loans

Missed student loan payments continues to hurt Americans’ average credit score, but the pain is evenly distributed, according to the credit scoring company FICO.
The national FICO score, or three-digit number used to summarize your credit report, fell a point to 714 from April 2025 and two points from October 2024, the company said in its latest FICO Score Credit Insights report. The drop was driven primarily by resumed student loan delinquency reporting and a slight uptick in mortgage delinquencies, FICO said. Declining FICO scores can be concerning because lenders use them to decide whether to approve loans and credit cards, and to determine interest rates and credit limits.
At the same time, a record 48.1% of consumers now have FICO Scores of 750 or higher, reflecting the