Americans ages 80 and older had the highest average FICO scores of any age group, according to Experian’s 2025 consumer credit data. Their average score was about 760, compared with a national average of 714 reported in FICO’s Spring 2026 FICO Score Credit Insights Report.
The figures show how credit histories can strengthen over decades. They also illustrate why an individual’s score cannot be inferred from age alone. Experian said scores vary widely among consumers, even within the same age group.
How the age groups compare
Experian’s data placed older Americans well above younger generations on average. Baby Boomers had an average FICO Score of 747, while Generation X averaged 709. Millennials averaged 689, and Generation Z averaged 678.
| Group | Average FICO Score |
|---|---|
| Ages 80 and older | 760 |
| Baby Boomers | 747 |
| Generation X | 709 |
| Millennials | 689 |
| Generation Z | 678 |
A FICO Score is a credit-risk score used by lenders to help evaluate applications for products such as loans and credit cards. A higher score can make it easier to qualify for credit and may improve the terms a lender offers, although a score does not guarantee approval or a particular interest rate.
Why scores can rise with time
Experian attributed the higher averages among older consumers in part to the amount of credit history they have had time to build. FICO scoring weighs several aspects of a consumer’s credit profile. The most important factor identified in the report is payment history, which accounts for 35% of a FICO Score.
Consumers in their 80s may have many years of on-time payments and established accounts reflected in their credit files. The length of credit history and a record of managing credit over time can contribute to stronger profiles, according to the explanation accompanying Experian’s data. Those patterns help explain the difference between the average score for people ages 80 and older and the averages for younger groups.
- Americans ages 80 and older averaged a FICO Score of about 760.
- The national average FICO Score was 714 as of March 2026, according to FICO.
- Experian’s age-group figures are averages and do not describe every consumer in a generation.
The data also shows that credit scores do not necessarily peak during a consumer’s working years. In Experian’s figures, the highest average belonged to the oldest age group, after decades of credit activity and payment history. Individual scores, however, depend on the information in each person’s credit profile and can differ substantially from the group averages.
