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<p>The average score is around 690 and 720-740 is considered a good target to build a credit score (<a id="LPlnk14392" href="http://www.credit.org/credit-scores-good-credit-scores/?gclid=CjwKEAjwtLO7BRDax4-I4_6G71USJAA6FjN1jjQrduGk9gI4YKR8MUam_MkfOhJxpxMQPo1ERt_pdxoCoVzw_wcB" class="OWAAutoLink">http://www.credit.org/credit-scores-good-credit-scores/?gclid=CjwKEAjwtLO7BRDax4-I4_6G71USJAA6FjN1jjQrduGk9gI4YKR8MUam_MkfOhJxpxMQPo1ERt_pdxoCoVzw_wcB</a>).
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<p>Average credit scores increase with age (<a title="Ctrl+Click or tap to follow the link" id="LPlnk744037" href="https://www.creditkarma.com/trends/age" class="OWAAutoLink">https://www.creditkarma.com/trends/age</a>) , income and state (<a id="LPlnk877800" href="http://www.valuepenguin.com/average-credit-score" class="OWAAutoLink">http://www.valuepenguin.com/average-credit-score</a>)</p>
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<p>I also think it's important to distinguish between FICO Scores (used by 90% of lenders) and VantageScores.</p>
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<p>bjc</p>
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<a target="_blank" href="http://www.credit.org/credit-scores-good-credit-scores/?gclid=CjwKEAjwtLO7BRDax4-I4_6G71USJAA6FjN1jjQrduGk9gI4YKR8MUam_MkfOhJxpxMQPo1ERt_pdxoCoVzw_wcB" style="text-decoration: none;" id="LPUrlAnchor_14667736055900.22430754035724665">Credit.org
What Credit Scores Are Good Credit Scores ...</a></div>
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www.credit.org</div>
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When talking about what makes up a good credit score range, we referred to our infographic, “What is a good credit score?” The guidelines we use are fairly ...</div>
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<a target="_blank" href="http://www.valuepenguin.com/average-credit-score" style="text-decoration: none;" id="LPUrlAnchor_14667735435030.24361739372919433">Average Credit Score in America: 2016 Breakdown</a></div>
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www.valuepenguin.com</div>
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We break down what the average credit score is in America for different age groups, income levels, geographies and first time home buyers. We also break down how ...</div>
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<a target="_blank" href="https://www.creditkarma.com/trends/age" style="display: table-cell; text-align: center;" id="LPImageAnchor_14667735037050.9810892567543621"><img id="LPThumbnailImageID_14667735037050.03991801249992788" aria-label="Preview image with link selected. Double-tap to open the link." style="display: inline-block; max-width: 250px; max-height: 250px; height: 100px; width: 100px; border-width: 0px; vertical-align: bottom;" height="100" width="100" src="https://creditkarmacdn-a.akamaihd.net/ckfiles.com/assets/435414654798/res/img/facebook/oglogo.jpg"></a></div>
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<a target="_blank" href="https://www.creditkarma.com/trends/age" style="text-decoration: none;" id="LPUrlAnchor_14667735037090.4078734488058">Credit Trends by Age | Credit Karma</a></div>
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www.creditkarma.com</div>
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Based on our data, there is a clear relationship between age and average credit scores. Generally speaking, younger consumers have lower credit scores on average.</div>
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<div style="margin:0px"><font face="Calibri,sans-serif" size="2"><span style="font-size:11pt"><b>Brenda J. Cude, Ph.D.
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<div style="margin:0px"><span lang="en-US"><font face="Calibri,sans-serif" size="2"><span style="font-size:11pt">706-542-4857<br>
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<div id="divRplyFwdMsg" dir="ltr"><font face="Calibri, sans-serif" style="font-size:11pt" color="#000000"><b>From:</b> Natfinwellness <natfinwellness-bounces@lists.osu.edu> on behalf of LIPINOGA, LAUREN <LIPINOGA@mailbox.sc.edu><br>
<b>Sent:</b> Thursday, June 23, 2016 6:41:19 PM<br>
<b>To:</b> natfinwellness@lists.osu.edu<br>
<b>Subject:</b> [Natfinwellness] Credit Scores (Starting Score)</font>
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<p class="MsoNormal">Greetings All,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I’m working on revamping our Financial Literacy consultations and what is discussed during them. For our Building & Managing Credit consultation, one topic discussed is credit scores, including the range and if you’re just starting to build
credit, where you generally start in terms of score? I know the range is obviously 300-850 but have seen conflicting things regarding where folks start in terms of a credit score. Does anyone know where I could find this information/know the answer so that
I can pass on the appropriate information? <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Thanks!<o:p></o:p></p>
<p class="MsoNormal">Lauren Lipinoga<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><span style="font-family:"Century Schoolbook","serif";color:#943634">Lauren E. Lipinoga, M.Ed.<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Century Schoolbook","serif"">Coordinator of Financial Literacy, Student Success Center<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Century Schoolbook","serif";color:#333333">Division of Student Affairs and Academic Support<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Century Schoolbook","serif";color:#333333">Thomas Cooper Library-Mezzanine<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Century Schoolbook","serif";color:#333333">1322 Greene Street
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Century Schoolbook","serif";color:#333333">Columbia, South Carolina 29208<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Century Schoolbook","serif";color:#333333">Phone: 803.777.9972<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Century Schoolbook","serif";color:#333333">Email:
<a href="mailto:lipinoga@mailbox.sc.edu"><span style="color:blue">lipinoga@mailbox.sc.edu</span></a><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Century Schoolbook","serif";color:#333333"><a href="http://www.sa.sc.edu/ssc/"><span style="color:blue">http://www.sa.sc.edu/ssc/</span></a><o:p></o:p></span></p>
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