Table of Contents
- Average Credit Score for a 25 Year Old
- What Is a Credit Score?
- What Is the Average Credit Score?
- Average Credit Score by Age
- What’s a Good Credit Score for Your Age?
- How Are Credit Scores Used?
- Factors Influencing the Average Credit Score
- How to Strengthen Your Credit Score
- How Does My Age Affect My Credit Score?
- At What Age Does Credit Score Improve the Most?
- Credit Score Tips
- FAQ
Having good credit can help you reach financial goals such as buying a car or home or renting an apartment. If you’re in your 20s, it makes sense that your credit score may be lower than that of older friends. That’s because you have a shorter credit history, an important factor in calculating your score.
Still, you can use averages to gauge where you stand credit-wise. Credit bureaus don’t use your age to calculate your score, though there are patterns based on it., Let’s take a look at the average credit score for a 25 year old and see what it could mean for your financial life.
Key Points
• The average credit score for a 25 year old is 678, which falls in the low end of the “good” range.
• The average credit score tends to go up with age, which may be due to a longer credit history and the opportunity to open different types of accounts.
• Payment history, length of credit history, credit utilization, credit mix, and new credit are the five factors that influence a credit score.
• Your age doesn’t directly affect your credit score.
• By making consistent payments and maintaining low balances, young adults can steadily build their credit scores over time.
Average Credit Score for a 25 Year Old
While data doesn’t explicitly show the average credit score breakdowns by age, it does by age ranges. Those who are 25 fall under what are considered Gen Z, and this generation’s average FICO® credit score was 678 in 2025.
Recommended: What Is the Starting Credit Score?
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What Is a Credit Score?
A credit score is a three-digit number, typically ranging from 300-850, that predicts your credit behavior. It shows lenders how likely you are to pay back loans on time.
Credit scoring companies such as FICO and VantageScore calculate your credit score based on information from your credit history. The factors they use include your payment history, how long you’ve had credit or accounts open, and new credit applications. The higher your score, the less of a risk you are to lenders, as it demonstrates you pay back loans on time.
Recommended: How to Check Your Credit Score for Free
What Is the Average Credit Score?
As of October 2025, the average FICO credit score for all ages was 714. The average VantageScore for all ages was 702 as of June 2026.
Average Credit Score by Age
The average credit score tends to go up the older someone is, which could be attributed to a longer credit history and opportunities to open different types of accounts. The table below shows average FICO credit scores according to Experian data from September 2025.
| Age | Average Credit Score |
|---|---|
| 18-28 | 678 |
| 29-44 | 689 |
| 45-60 | 709 |
| 61-79 | 747 |
| 80+ | 760 |
What’s a Good Credit Score for Your Age?
Even if your credit score is at or above the average for your age range, it doesn’t mean that it’s good or that it’ll help you reach your financial goals. A better way to gauge your credit is by using credit score ranges from FICO and VantageScore. That way, you can understand the likelihood of qualifying for credit cards and other types of loans.
FICO
| Rating | Credit Score Range |
|---|---|
| Poor | Lower than 580 |
| Fair | 580-669 |
| Good | 670-739 |
| Very Good | 740-799 |
| Exceptional | 800 and higher |
VantageScore
| Rating | Credit Score Range |
|---|---|
| Subprime | 300-600 |
| Near Prime | 601-660 |
| Prime | 661-780 |
| Superprime | 781-850 |
How Are Credit Scores Used?
Lenders use credit scores as a factor in determining whether to approve you for a loan. Your credit score provides a snapshot of your risk as a borrower and how you use credit. In many cases, the higher your credit score, the more likely you’ll be approved for loans at more competitive rates and terms. Or, you may have access to more loan products, such as luxury rewards credit cards.
Factors Influencing the Average Credit Score
There are factors that affect credit scores:
• Payment history: This aspect of your credit score looks at whether you pay your loans on time, including accounts that may have gone to collections.
• Length of credit history: Having a longer credit history can offer more insights into your credit behavior.
• Credit utilization: Credit utilization is the percentage of available credit you use on revolving accounts. The more you use, the more it could seem you’re overextended on your accounts.
• Credit mix: Scoring models look at the varieties of credit you have such as mortgages, credit cards, and car loans.
• New credit: Opening or applying for new credit accounts within a short span of time could affect your credit score.
How to Strengthen Your Credit Score
Credit scores can fluctuate over time due to a number of reasons. If your credit score is lower than you’d like, consider these best practices to build credit:
• Set up automatic payments or reminders to help you pay loans on or before the due date.
• Keep your accounts current by paying off past due balances.
• Check your credit history reports to see what may have led to a drop in your score.
• Fix any errors on your credit reports.
• Increase your credit card limits.
• Avoid applying for new credit unless necessary.
• Keep accounts as long as possible, even if they’re not currently being used.
• Watch your credit card balances to make sure they don’t get too high.
How Does My Age Affect My Credit Score?
Your age doesn’t directly affect your credit score. Instead, it’s based on factors such as your payment history and the length of time you’ve had credit. The earlier you start building your credit, the more opportunities you’ll have to get a good credit score.
Recommended: How Long Does It Take to Build Credit?
At What Age Does Credit Score Improve the Most?
There’s no set age when your credit score will improve the most because it’ll depend on factors such as when you start building credit and whether you pay loans consistently on time. Older generations may have higher credit scores because they have more chances to build their credit. It’s important to focus on where you are at now and what you can do to keep building your credit.
Credit Score Tips
Aside from paying your bills on time, consider other ways you can build credit. While it may be hard to open a new loan or credit card if you have a limited credit history, you can consider products such as a secured credit card. A secured credit card has a refundable security deposit that acts as your credit line. Another option is a credit builder loan, where the lender sets aside your loan funds in a separate savings account and you can access the cash once you’ve paid off the loan.
The Takeaway
While looking at the average credit score for a 25 year old may be useful to see where you stand, it’s more effective to look at your credit history to see what you can do to build your score. By regularly monitoring your score, you can see whether the actions you’re taking are helpful.
Take control of your finances with SoFi Coach. You can easily view all of your accounts in one convenient dashboard: bank and investment balances, current debts, spending breakdowns, and credit score. Easily set up budgets and spot upcoming bills. And get personalized insights on everyday money questions and take action with Coach chat, the AI guide that’s powered by the playbooks of SoFi Financial Planners, so its guidance comes from expert knowledge.
FAQ
Can I buy a house with a 633 credit score?
Yes, it’s possible to qualify for a mortgage with a 633 credit score. You may be able to qualify for an FHA loan or a conventional mortgage but potentially at a higher interest rate.
Can I buy a house with a 613 credit score?
Yes, it’s possible to buy a house with a 613 credit score, though it may limit your loan options and result in higher interest rates. FHA loans, designed for those with lower credit scores, are often a good option, but lenders may require a larger down payment.
What credit score is needed to buy a $300K house?
The credit score you need to buy a $300K house will depend on the type of mortgage you want. Other factors, such as your income, available assets, and down payment, also influence the credit score a lender may require.
Is 650 a good credit score?
A 650 credit score falls into the fair credit score range. It’s a little below the current average credit score of 714 and the good range, which starts at 670.
Is a 750 credit score good at 25?
Yes, a 750 credit score at 25 is considered excellent and indicates strong credit habits for someone in this age group. This high score can help secure favorable interest rates and better loan terms, giving an advantage in achieving financial goals.
How rare is an 800 credit score?
Less than a quarter of U.S. consumers (22.8%) have a credit score of at least 800. This exceptional score reflects consistent financial responsibility, including on-time payments, low credit utilization, and a long credit history.
Photo credit: iStock/Anchiy
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