According to Fair Isaac, it is a 723. This is the FICO Score model used by a majority of mortgage lenders. But if you ask the folks over Vantage Score, you are probably going to get a much higher number as they have a scale that unlike the FICO range of 300-850 goes from 501-990.

You can get even more confused with the National Score Index which states a national average credit score of 694. This is based on a 330 to 830 range.

What does average mean anyway? Not many lenders are looking for average candidates these days. They want people with the best credit. And while an average of 723 used to be fine, now you need an above average credit score to get the best rates or even get a loan at all.

This is why it’s important to check your FICO credit score as it’s most likely the one your lender will use in your lending decision.

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Average Credit Score