The US’s average credit score. UU. Discovered throughout the country, largely due to the resumption of federal student loans that report on credit reports of US consumers. UU., According to Fico.
The scoring agency reported that the National Average FICO score of the USA was used as a reference point to evaluate the consumer credit risk to 715, marking a drop of points from January and a decrease of two points from April 2024.
The FICO scores, which vary from 300 to 850, fluctuate depending on the updates of the behavior of the borrower tracked by the three main consumer report agencies.
These scores are used by banks and lenders to see who can give money.
FICO regularly publishes the national average score, offering key information about the status of consumer credit.
According to FICO, federal crime of student loans were once again informed about credit archives such as February 2025, after the emergency break of several years on interests and payments of federal student loans under the law of care and a branch and a light of a byar of those who do not have their federal borrowers of federal borrowers.
The participation of consumers with a crime of more than 90 days in the last six months increased from 7.4% in January to 8.3% in February.
That is the first time that this figure has exceeded the pre-pandemic levels.
In January 2020, it was 8.1%, according to Fico.
Tommy Lee, senior director of analysis and scores at FICO, said in a blog post on Wednesday that 2.7 million borrowers had a new crime of student loans reported from February 2025 since February October 2024, and that they did not have payments of student loans that did not have payments of student loans, even despite the fact that they have not made any payment of loans Student since October 2024, and had payments.
These borrowers also run the risk of having their affected credit score if they do not make payments, and a new crime of 90 -day student loans is reported in their credit file.
This could lead to more decreases in the average FICO score in the coming months, according to Lee.
Comparatively, around 12.4 million borrowers have made at least one payment in their student loan since October 2024 and are in a good position to maintain or improve their credit score if they continue to make appropriate payments.
Fico also reported that some consumers also saw modest improvements in the use of credit, which is the amount of total available credit they are using.
That metric represents 30% of the physical score.
According to FICO, the average use of the credit card decreased from January to February due to seasonal reductions in credit card balances after vacations.
This helped partially compensate for the decrease in punctuation, cordination to the scoring agency.