Your credit score is simply a statistical estimation of how likely you are to pay your debts and, by extension, how much credit you should have. Everyone is different—everyone has a different history, different experiences. But have you ever wondered how you compare to other Americans?
The illustration below shows cities with the best and worst credit score.
Source: Experian.org, 2016
Generation Gap
Here’s a look at how each generation fares credit-wise. How do you stack up?
| Credit Score | |
| Baby Boomers | 675 |
| Generation X | 633 |
| Millennials | 624 |
Source: ConsolidatedCredit.org, 2016, using Experian scoring
Fast Fact: Get Over It. A bad credit score doesn’t last forever. Since your credit score is a “snapshot” of your risk at a particular point in time, it changes as new information is added to your bank and credit bureau files. Scores change gradually as you change the way you handle credit.
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