Gen Z’s credit scores are dropping. Here’s what to do if yours is too
September 19, 2025
Gen Z has seen its credit score drop more than any other generation over the past year, largely because of student loan debt. That’s according to a new report out this week. The report from credit scoring company FICO found that the total national average credit score dropped two points this year to 715. But Gen Z’s average score dropped three points to 676. That’s the largest year-over-year decrease among any age group since 2020. A credit score is a mathematical formula that helps lenders determine how likely you are to pay back a loan.