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The average FICO® credit score in Utah is 728, based on data from credit bureau Experian®. That score sits comfortably within the “good” credit range of 670-739 and is higher than the national average FICO credit score of 714. Learning what is the average credit score in America and Utah and how your credit profile compares to those state and national numbers can help you understand where you stand financially and where you can build your score.
Key Points
• The average FICO credit score in Utah is 728, in the middle of the good credit category.
• Payment history is the most important factor in calculating a score, comprising 35% of the total.
• On-time payments and low debt balances can help you build and maintain a strong credit profile.
• Credit bureaus collect borrowing records independently, so there can be minor variations across your reports.
• Checking credit reports periodically, such as with a money tracker app, can help you identify errors and detect potential identity theft.
What Is a Credit Score?
A credit score is like a grade for your borrowing habits, but instead of A through F, you get a three-digit number (your overall score), which ranges from 300 to 850. It’s calculated using the information listed on your credit reports. Banks, credit card companies, and other lenders check this number to measure how risky it might be to lend you money.
A higher score means that you’re more creditworthy in the eyes of lenders. A strong credit profile gives you a better chance of getting approved for credit cards, auto loans, and mortgages. It can also help you secure more favorable terms, which may mean that you keep more money in your pocket over time.
Your credit score updates at least every 30-45 days, which is why regular credit score monitoring can be helpful.
Pop quiz: Do you know what the starting credit score is? It’s not zero. In fact, the lowest score you can have is 300, though a starting score is more likely to be in the “fair” range of 580-669.
What Is the Average Credit Score in Utah?
As mentioned earlier, the average credit score in Utah is 728, according to data from Experian. A score of 728 falls into the good credit category, which ranges from 670 to 739 for FICO.
| Credit Category | FICO Score Range |
|---|---|
| Poor | 300-579 |
| Fair | 580-669 |
| Good | 670-739 |
| Very Good | 740-799 |
| Exceptional | 800-850 |
Having an average credit score of 728 means that most Utah residents stand a good chance of getting approved for standard financial products. However, scores falling within the “very good” or “exceptional” ranges unlock the best offers. So learning how to build credit can literally pay off.
How long does it take to build credit to a higher level? Moving up a whole credit range, say from fair to good, can take months or years, depending on what’s holding down your credit score. Quick wins include correcting errors on your credit report and paying down debts.
Although the overall state average is 728, average scores vary across Utah based on location, age, and individual spending habits. For instance, older adults who have a longer loan history often have higher scores than younger adults who are just starting their financial journey.
Want to monitor your credit score and spending habits? Check out SoFi Coach to begin tracking and managing your finances.
What Is the Average Credit Score in the US?
As mentioned before, the average FICO credit score across the United States is 714, while the average national VantageScore® is 701. That means Utah’s average FICO score of 728 sits above both these national benchmarks.
Regional variations in average credit scores occur across the country. Southern states tend to have average scores in the high 600s, whereas states in the Midwest, Upper Midwest, and New England often see averages in the 720s or 730s. These regional patterns reflect broader economic conditions, local cost-of-living factors, and differences in average debt levels.
Recommended: How to Build Credit
Factors Influencing the Average Credit Score
Credit scoring models evaluate specific actions on your debt accounts to calculate your overall number. Scoring formulas focus on several core factors to determine where you fall on the 300-850 scale:
• Payment history (35%): Paying bills on time is the single most influential factor. Missing a single payment can cause your score to drop noticeably. A budgeting planner app can automate bill paying for you to avoid late or missed payments.
• Amounts owed/credit utilization (30%): This looks at how much of your available credit line you’re using. Using less than 30% of your credit card limits shows lenders that you’re not overextended, and keeping that usage below 10% is even better. Lowering your credit card utilization usually involves paying down your balances, but increasing your limits also works.
• Length of credit history (15%): Having accounts open for a longer period gives scoring models more proof of your reliability. How long it takes to build credit can range from months to years, depending on what’s holding down your credit score.
• Credit mix (10%): Lenders prefer to see that you can manage a combination of revolving accounts (such as credit cards) and installment loans (such as auto loans and mortgages).
• New credit (10%): Applying for multiple new lines of credit in a short period can trigger hard inquiries, which can temporarily lower your total score.
You can see that understanding what affects your credit score plays an important role in managing your creditworthiness.
Why Do I Have More Than One Credit Score?
It’s completely normal to see a few different credit scores when you look at your accounts. There are three major credit reporting bureaus in the U.S.: Experian, Equifax, and TransUnion. Lenders do not always report your activity to all three bureaus, which means that if one of the bureaus is missing a specific record, your credit reports may differ.
If you’re wondering what the difference is between VantageScore vs. FICO, these are two major credit scoring companies. Each agency uses a proprietary formula to weigh your financial habits. Lenders can also access industry-specific versions of these scores depending on the type of loan you’re applying for. An auto loan lender might check a FICO Auto Score, while a mortgage company looks at a classic FICO model for home loans.
Where Can I Check My Credit Scores?
Checking your credit score is simple, and doing it yourself won’t harm your numbers. If you want to check your credit score without paying, you have several options, including your bank, credit card issuer, and credit counseling agencies:
• Many banks let you take a look at your score in their mobile money tracker app or web portal.
• Credit card issuers may also provide free credit score updates.
• Nonprofit credit counseling agencies also offer a free credit score check during money-management sessions.
Federal law allows you to pull your full credit reports for free each year. But you can actually download one free report a week from AnnualCreditReport.com. While credit reports show your detailed payment history rather than your credit score (the three-digit number itself), reviewing them regularly lets you check for mistakes or unauthorized activity.
Once in a while, you may notice your credit score drop after a dispute. While filing a dispute does not harm your credit, the information that’s uncovered, such as a missed payment, can impact your profile.
Recommended: Free Credit Score Check
The Takeaway
Utah’s average credit score of 728 falls into the “good” range, giving most residents solid access to basic loan and credit options. While the state score exceeds the national average of 714, individual scores may vary, and you can control your own credit journey. Paying bills on time every month, keeping credit card balances low, and regularly reviewing your credit reports can help you build a strong financial foundation.
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
What is a good credit score to buy a car in Utah?
While there is no absolute minimum credit score needed to buy a car, auto lenders generally consider a score of 661 or higher to be a strong basis for approval. Having a score in the “good” range (670-739) or higher makes it easier to get approved with favorable terms. If your score is on the lower side, offering a larger down payment can help secure an approval.
What is a good credit score to buy a house in Utah?
The credit score you need to buy a home depends on the type of mortgage you’re after. Conventional loans typically require a minimum score of 620, while government-backed options, such as FHA loans, may accept scores as low as 580 with a 3.5% down payment or even 500 with 10% down. Buyers with scores of 670 or higher will have an easier time qualifying.
What credit score do most Americans have?
Most Americans have a credit score that falls into the “good” or “very good” categories. FICO data shows the average credit score in America is 714. Around 70% of consumers across the country hold a FICO score of 670 or higher, while only about 15% of consumers have scores in the “poor” category, below 580.
How rare is a 740 credit score?
A 740 credit score isn’t rare at all. Across the United States, roughly 27% of consumers have a score between 740 and 799. Reaching 740 shows lenders that you handle debt responsibly, which unlocks more competitive offers.
How rare is an 800 credit score?
An 800 credit score, which falls into the “exceptional” category, is uncommon, but it can be done. About 23% of Americans have a score of 800 or higher. Reaching this level usually takes years of consistent on-time payments, low credit utilization, and a long credit history.
How common is a 700 credit score?
A 700 credit score is very common, sitting comfortably inside the “good” range (670-739). About 20% of Americans have scores in this specific block. Holding a 700 score keeps you on solid footing for future loan applications.
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