Explore average credit scores among U.S. racial groups and discover factors creating disparities. Learn why some groups face ...

For more than a decade, Americans watched their credit scores climb steadily upward, a reassuring sign of improving financial health following the Great Recession. However, it appears the streak has ...

In July 2025, the Federal Housing Finance Agency (FHFA) adopted the use of VantageScore 4.0 in addition to Classic FICO. 1 This study analyzes the impact of introducing a dual credit score ...

Elizabeth Guevara is a personal finance reporter who explains the world of business and economics and how it impacts your finances. She joined Investopedia in 2024. SimpleImages/Getty Images More ...

The average U.S. credit score slipped nationwide, largely due to the resumption of federal student loan delinquency reporting on U.S. consumers’ credit reports, according to FICO. The scoring agency ...

Drivers with good credit pay about 43% less for car insurance compared to people with poor credit. Stronger credit can help you qualify for lower security deposits and better rental terms. Premium ...

Only 1.76% of Americans have a perfect 850 FICO® Score in 2025. Here's who they are, what they do differently, and why ...

FICO’s inaugural Credit Insights report shows U.S. credit scores dipping as inflation and student loan payments weigh on consumers. Gen Z faces the steepest declines, with student loan debt driving ...

The growing debt load carried by U.S. consumers is ringing alarm bells from Main Street to Wall Street. Data released this week by WalletHub paints a sobering picture of American credit health, with ...

With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...

Corrections & Clarifications: This story has been updated to correct a misspelled name provided by TransUnion. Its senior vice president and head of consumer lending is Joshua Turnbull. Another credit ...