Overview

• The national average FICO fell to 715 in April 2025 from 717 a year earlier, marking a second consecutive year-over-year decline.
• Younger borrowers were hit hardest, with Gen Z’s average at 676 after a three-point drop.
• Fourteen percent of Gen Z saw 50-plus point declines versus 10% of all consumers.
• Student-loan delinquencies reappeared on credit files, with 3.1% of the scorable population adding one after pandemic protections expired.
• Credit stress broadened as card utilization rose to 35.5% and severe 90+ day delinquencies climbed to 9.8%.