Jan 31, 2024

Question of the Day: What’s the average credit score for Gen Z?

In the generational race for the best credit, who has the high score?

Answer: 680

An illustration of a person using a credit card at the checkout counter of a store.


  • What is a credit score and why is it important?
  • What factors might contribute to average credit scores increasing with age?
  • What are some habits you can implement now to build or maintain a good credit score?


Here are the ready-to-go slides for this Question of the Day that you can use in your classroom.


Behind the numbers (CNBC):

"In the U.S., the average credit score is 716, per Experian’s latest data from the second quarter of 2023. 

And when you break down the average credit score by age, the typical American is hovering near or above that score.

For members of Gen Z, defined as those between 18 and 26, the average credit score is 680, according to Experian. Meanwhile, the average credit score for people 78 or older, categorized as the silent generation, is 761 — the highest of the generational cohorts."


Check out the Managing Credit unit to find lessons, activities, and other resources.

About the Author

Ryan Wood

Ryan grew up with and maintains a love for learning. He graduated from the University of Wisconsin-Green Bay with a degree in Business Administration and worked in sports marketing for a number of years. After living in Texas, Colorado, Tennessee, and Minnesota, the call of education eventually brought Ryan back to his home state of Wisconsin where he was a Business and Marketing teacher for three years. In his free time he likes to spend time with his wife and daughter, play basketball, read, and go fishing. Now with NGPF, Ryan is excited to help teachers lead the most important course their students will ever take.

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