Throughout your life, one number follows you everywhere: your credit score. It has a say in the car you buy, the house you live in and the opportunities you have access to. While scores can fluctuate for a variety of reasons, what’s a healthy target to aim for in your 20s, 30s, 40s and beyond?
Keep in mind, while these are average targets to aim for, we’ll also walk you through tips to boost your credit score if needed.
Average credit score by age
There isn’t a single average credit score because different scoring models use different scales. However, we’ll focus on FICO, since it’s the most widely used. Across age groups, the average FICO score in 2025 is 715.
Here’s how the average score breaks down by age group:
Age group | Average FICO score |
|---|---|
18-29 | 680 |
30-39 | 691 |
40-49 | 704 |
50-59 | 721 |
60+ | 752 |
Note that FICO defines a good score as 670 or above. Some lenders will look for 700 or higher when determining your eligibility.
Credit score range | FICO rating |
|---|---|
800-850 | Exceptional |
740-799 | Very good |
670-739 | Good |
580-669 | Fair |
300-579 | Poor |
Read more: Monitor your score and simplify your finances with an Ally Bank Spending Account
How credit scores start and grow over time
Credit scores don’t appear automatically on your 18th birthday — you have to start building credit. That could involve opening a credit card, being added to a parent or guardian’s account or making payments toward a debt, like student loans.
You don’t start with a credit score of zero. Instead, it typically takes three to six months of activity to calculate your starting score. Credit history length plays a role in calculating your score, so the longer you use credit responsibly, the stronger your score can grow.
Credit score milestones by life stage
Credit scores aren’t one-size-fits-all, and your goals may shift as life changes. Good financial habits matter most, and you can practice them at any age.
By age 18-20: Start your credit from scratch
At ages 18-20, the average FICO score is 680.
The more time your score has to grow the better, so begin as early as you feel comfortable. At 18, you can open a credit card. Consider beginner options like student or secured credit cards. If you apply before 21, issuers may ask for a cosigner or proof of income. Focus on paying your bills on time to establish healthy habits and build up credit.
In your 20s: Establish a credit history
For Americans age 25, the average FICO score is also 680.
Monitor your score to track your progress as you establish your credit history. If you have an Ally Bank Spending Account, you can track your score for free. It’s recommended to not over-rely on credit and instead aim to pay on time and in full as much as possible to keep up a strong score.
In your 30s: Strengthen your credit score
For Americans in their 30s, the average FICO score is 691.
By now, you’ve likely had several years (or more) of debt payments that lenders can use to understand your financial history. You may also be diversifying your credit types with an auto loan or mortgage. By managing new credit carefully, you can grow and protect your score.
In your 40s: Maintain your credit score
At ages 40-49, the average FICO score is 704.
Practicing healthy financial habits helps maintain or increase your score so you can secure better rates and greater financial opportunities. If you’ve struggled in the past, it’s never too late to start incorporating new money routines and paying down debt to improve your score.
In your 50s and beyond: Leverage a strong credit profile
The average FICO score rises to 721 for those in their 50s, and 752 in their 60s and beyond.
Look for ways to leverage your strong credit score as you move toward retirement. You might consider refinancing your home or, if selling or downsizing, you could use a stronger credit score to secure a good rate on a new home loan. Your score can open doors to new opportunities after you retire, like starting a business or traveling, and helps you stay ready for unexpected life expenses.
How to improve and maintain a strong credit score at any age
Whether you're goal is to improve or maintain your credit score, the key is to pack some patience and give yourself grace. A strong credit score takes time and consistency. Try focusing on:
Paying bills and loans in full and on time
Maintaining a low credit utilization — experts typically recommend staying below 30%
Being mindful of new credit applications and keeping old accounts open when possible
Create milestone moments
Credit shapes many milestones in your life, from paying for education to buying your first home or financing a car. Whether your scores are already sky-high or you’re still working toward your goal, with strong credit habits, you’ll be better prepared for each moment along the way.
