The average U.S. credit score is 715, according to FICO's Score Credit Insights, which examined data from April 2025. That's still in the "good" range, but it represents a two-point drop ...

Achieving a perfect 850 credit score takes decades. But you can copy the same habits and still get top loan rates and credit cards.

Beverly is a writer, editor, and paralegal specializing in personal finance and tax law. She covers personal financial and legal topics, as well as tax breaks, tax preparation software, and tax law ...