 TITLE: At What Age Can You Expect Your Best FICO<sup>®<\/sup> Score? CONTENT: Credit Card Debt More Than Doubles From Consumers' 20s to 30s\n-------------------------------------------------------------\nIn contrast, average FICO® Scores don't rise much from the time consumers are in their 20s to their 30s, increasing just three points, from 669 to 672. Consumers may still be building credit during those years; another contributor could be that once those in their 20s gain access to credit cards, they use them. High credit utilization can be a drag on credit scores, but late payments have an even larger effect. Using more credit may make it harder to make timely payments and pay off balances in full.\nConsumers in their 30s carry more than double the credit card debt 20-somethings do: An average $5,563 compared with $2,770 among those in their 20s as of Q2 2019. Average retail credit card debt also nearly doubles in those years, from $660 in consumers' 20s to $1,187 in their 30s.\nAn increase in credit card debt is also an overall trend: Nationwide, Q2 total credit card debt grew 6% from 2018 to 2019, according to Experian data. END