 TITLE: At What Age Can You Expect Your Best FICO<sup>®<\/sup> Score? CONTENT: Average FICO® Scores Rise Steadily With Age\n-------------------------------------------\nAs of Q2 2019, consumers in their 20s have the lowest average FICO® Score, at 660. Building credit—either from scratch or by using strategies like joining a parent's credit card as an authorized user—often starts in earnest in a consumer's 20s. The Credit CARD Act of 2009 prevents consumers under 21 from opening their own credit card accounts without either a cosigner or proof of independent income.\nBut a score of 660 is a solid start: It's not far off from good credit, which starts at 670, according to the FICO® scoring model. From there, each age group's average score increases. The average FICO® Score among age groups peaks at 757, for consumers in their 80s.\nAdditionally, all age groups but one (those ages 90 to 99) have higher average FICO® Scores than the equivalent age groups did in Q2 2015. Average incomes in all age groups increased between Q2 2015 and Q2 2019, which could be a contributor.\nSource: Experian. \\*In Q2 2015, data was only available for ages 23 to 29; we compared to the same age range in Q2 2019. END