The Drop in U.S. Credit Scores: What’s Behind the Trend and Who’s Most Affected?
In 2025, the average U.S. credit score took a hit, falling to 715 from 717 in 2024, according to a recent FICO report. This two-point drop marks the steepest decline since the 2009 financial crisis, when scores fell three points from 690 to 687. For many Americans, this dip signals growing financial strain driven by rising credit utilization, surging student loan delinquencies, and economic pressures like inflation and high interest rates. Here’s what’s happening and how it could affect you.
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