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September 22, 2025

Gen Z's credit scores are dropping. Here's what to do if yours is too

  • The decline in credit scores is primarily due to the resumption of student loan delinquency reporting.
    • By ADRIANA MORGA
    Associated Press

    NEW YORK — Gen Z has seen its credit scores drop more than any other generation over the past year, largely because of student loan debt, according to a new report out last week.

    The total national average credit score dropped two points this year to 715, according to the report from credit scoring company FICO. But Gen Z's average score dropped three points to 676, the largest year-over-year decrease among any age group since 2020.


     
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