2022 Credit Trends in the US by City and State

FICO research points to a trend indicating that the average FICO Score on the US population continues to increase since coming out of the Great Recession of the mid to late 2000s.

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As of April 2022, the national average FICO Score currently sits at 716, the same as when FICO last reported on it a year ago. The leveling-off of the average FICO Score has been driven by modest changes in key metrics considered by the score: a small uptick in missed payments, slightly elevated consumer debt levels, and an increase in consumers obtaining new credit. 

  • Find out which states and cities have the highest average score
  • Gain insights on how different states and US cities compare
  • Find out which major city residents are opening new credit most frequently and more
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