Average U.S. FICO Score Drops to 715
FICO (NYSE: FICO) reports that the national average FICO® Score has decreased to 715, marking a one-point decline from January 2025 and a two-point drop from April 2024. The decline is primarily attributed to the resumption of federal student loan delinquency reporting.
Key impacts include:
- Over 8 million borrowers affected by new student loan delinquencies
- 90+ day delinquencies increased to 8.3% in February from 7.4% in January, exceeding pre-pandemic levels of 8.1%
- Credit utilization showed improvement due to seasonal reductions in credit card balances post-holiday spending
FICO Scores, which power lending decisions for 90% of top U.S. lenders, reflect these changes through data reported by the three main credit bureaus.
FICO (NYSE: FICO) comunica che la media nazionale del FICO® Score è scesa a 715, segnando un calo di un punto rispetto a gennaio 2025 e di due punti rispetto ad aprile 2024. Questo decremento è dovuto principalmente alla ripresa della segnalazione dei ritardi nei pagamenti dei prestiti studenteschi federali.
Gli impatti principali includono:
- Oltre 8 milioni di mutuatari interessati dai nuovi ritardi nei prestiti studenteschi
- I ritardi superiori a 90 giorni sono aumentati all'8,3% a febbraio, rispetto al 7,4% di gennaio, superando i livelli pre-pandemia dell'8,1%
- L'utilizzo del credito è migliorato grazie alla riduzione stagionale dei saldi delle carte di credito dopo le spese natalizie
I punteggi FICO, utilizzati per le decisioni di prestito dal 90% dei principali istituti di credito statunitensi, riflettono questi cambiamenti attraverso i dati forniti dalle tre principali agenzie di credito.
FICO (NYSE: FICO) informa que el promedio nacional del FICO® Score ha bajado a 715, marcando un descenso de un punto desde enero de 2025 y dos puntos desde abril de 2024. Esta caída se atribuye principalmente a la reanudación del reporte de morosidad en préstamos estudiantiles federales.
Los impactos clave incluyen:
- Más de 8 millones de prestatarios afectados por nuevas morosidades en préstamos estudiantiles
- Las morosidades de más de 90 días aumentaron al 8,3% en febrero desde el 7,4% en enero, superando los niveles previos a la pandemia del 8,1%
- La utilización del crédito mejoró debido a la reducción estacional de los saldos en tarjetas de crédito tras el gasto navideño
Los puntajes FICO, que respaldan las decisiones de préstamo del 90% de los principales prestamistas de EE.UU., reflejan estos cambios a través de los datos reportados por las tres principales agencias de crédito.
FICO (NYSE: FICO)는 전국 평균 FICO® 점수가 715로 하락했다고 발표했으며, 이는 2025년 1월 대비 1점, 2024년 4월 대비 2점 감소한 수치입니다. 이 하락은 연방 학자금 대출 연체 보고가 재개된 데 주로 기인합니다.
주요 영향은 다음과 같습니다:
- 새로운 학자금 대출 연체로 인해 800만 명 이상의 차용인 영향
- 90일 이상 연체율이 1월 7.4%에서 2월 8.3%로 증가하여 팬데믹 이전 수준인 8.1%를 초과
- 연말 소비 후 신용카드 잔액이 계절적으로 감소하면서 신용 이용률이 개선됨
FICO 점수는 미국 주요 대출 기관의 90%가 대출 결정을 위해 사용하며, 이 점수는 세 주요 신용 평가 기관에서 보고된 데이터를 통해 이러한 변화를 반영합니다.
FICO (NYSE : FICO) rapporte que la moyenne nationale du FICO® Score a diminué à 715, marquant une baisse d’un point depuis janvier 2025 et de deux points depuis avril 2024. Cette baisse est principalement due à la reprise du signalement des retards de paiement des prêts étudiants fédéraux.
Les impacts clés comprennent :
- Plus de 8 millions d’emprunteurs affectés par de nouveaux retards de paiement sur prêts étudiants
- Les retards de plus de 90 jours ont augmenté à 8,3 % en février contre 7,4 % en janvier, dépassant les niveaux d’avant la pandémie de 8,1 %
- L’utilisation du crédit s’est améliorée grâce à une baisse saisonnière des soldes de cartes de crédit après les dépenses des fêtes
Les scores FICO, qui alimentent les décisions de prêt pour 90 % des principaux prêteurs américains, reflètent ces changements à travers les données fournies par les trois principaux bureaux de crédit.
FICO (NYSE: FICO) berichtet, dass der nationale Durchschnitt des FICO® Scores auf 715 gesunken ist, was einen Rückgang um einen Punkt seit Januar 2025 und um zwei Punkte seit April 2024 bedeutet. Der Rückgang ist hauptsächlich auf die Wiederaufnahme der Meldung von Zahlungsrückständen bei bundesstaatlichen Studiendarlehen zurückzuführen.
Wesentliche Auswirkungen sind:
- Mehr als 8 Millionen Kreditnehmer sind von neuen Zahlungsrückständen bei Studiendarlehen betroffen
- Die Rückstände über 90 Tage stiegen im Februar auf 8,3 % gegenüber 7,4 % im Januar und liegen damit über dem Vorkrisenniveau von 8,1 %
- Die Kreditnutzung verbesserte sich aufgrund saisonaler Rückgänge der Kreditkartensalden nach den Feiertagsausgaben
FICO Scores, die 90 % der führenden US-Kreditgeber bei Kreditentscheidungen nutzen, spiegeln diese Veränderungen anhand der von den drei wichtigsten Kreditbüros gemeldeten Daten wider.
- Credit utilization rates improved due to reduced post-holiday credit card balances
- Average FICO score dropped 2 points to 715
- 90+ day delinquency rate increased 12% to 8.3%, exceeding pre-pandemic levels
- Over 8 million borrowers impacted by new student loan delinquencies
Insights
The two-point decline in the average U.S. FICO
The resumption of federal student loan delinquency reporting marks a significant normalization event in credit markets, with over 8 million borrowers potentially affected. This transition away from pandemic-era accommodations will likely trigger recalibration of risk models throughout the lending ecosystem.
For FICO, this trend reinforces their market-dominant position, as their scores remain the decision engine for
The modest reduction in credit utilization noted in the data provides only partial offset to delinquency impacts. This utilization decrease appears largely seasonal rather than structural, limiting its positive influence on overall scores.
The exceeding of pre-pandemic delinquency levels (
FICO's latest credit score report reveals critical shifts in the consumer credit landscape, with the average FICO
The data highlights FICO's unrivaled visibility into credit market dynamics—a strategic asset that reinforces their
The
The marginal improvement in credit utilization underscores FICO's sophisticated modeling capabilities, capturing both seasonal patterns and structural changes in consumer behavior. This multidimensional perspective enables more nuanced risk assessment than single-factor analysis.
As lending institutions navigate this changing credit environment throughout 2025, FICO's position as the industry-standard risk barometer appears firmly entrenched, with this report demonstrating their continued relevance in evolving market conditions.
FICO analysis shows that more than eight million borrowers are potentially impacted by new student loan delinquencies, partly driving the two point drop of the average
FICO® Scores power lending decisions for
"FICO remains committed to providing the industry with reliable, independent insights that help lenders make informed decisions and empower consumers to understand and manage their credit,” said Tommy Lee, senior director of Scores and Predictive Analytics at FICO. “The modest decline in the national average FICO Score is consistent with the anticipated effects of resuming student loan delinquency reporting. As we move through 2025, we’ll continue to monitor how consumers navigate the post-forbearance credit environment as well as the ongoing economic uncertainty.”
Key factors impacting the average
- Resumption of Student Loan Reporting: Following a multi-year pause under the CARES Act and a one-year “on-ramp” grace period by the Department of Education, as of February 2025 federal student loan delinquencies are once again reported on credit files.
-
Rising Delinquencies: The share of consumers with a 90+ day delinquency in the past six months increased from
7.4% in January to8.3% in February—a12% relative rise, and the first time this figure has surpassed pre-pandemic levels (8.1% in January 2020). -
Credit Utilization Decreasing: Despite the rise in delinquencies, some consumers experienced modest improvements in credit utilization—a key metric representing
30% of the FICO® Score. Average credit card utilization decreased from January to February due to seasonal reductions in credit card balances following holiday spending, helping to partially offset the score decline.
Full analysis on the average
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by
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FICO Contact
Julie Huang
press@fico.com
Source: FICO
FAQ
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