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    Global Average Credit Score

    Last updated: February 18, 2026

    680

    score

    The global average credit score is approximately 680 on a scale similar to FICO (300-850). The US averages 714, while emerging markets have lower average scores due to less developed credit reporting systems.

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    Historical Trend

    Source: Experian

    Global Average Credit Score by Country

    Country Value (score) ↓Source
    United States714FICO
    Japan710CIC
    Germany690Schufa
    Australia685Equifax AU
    Canada680Equifax
    United Kingdom670Experian
    China640PBOC
    India630CIBIL
    Brazil620Serasa

    Why This Average Exists

    Credit scores determine access to loans, mortgages, and financial products. They reflect consumer financial health and creditworthiness across economies.

    Factors That Affect Global Average Credit Score

    • Payment history
    • Credit utilization
    • Length of credit history
    • Types of credit
    • Financial literacy
    • Regulatory framework

    Frequently Asked Questions

    Methodology & Data Sources

    The data presented on this page is compiled from publicly available datasets published by international organizations including the World Bank, World Health Organization (WHO), International Labour Organization (ILO), United Nations, NASA, and national statistical agencies.

    Global averages are calculated using population-weighted or arithmetic means depending on the metric. Country-level data reflects the most recent available figures, typically from 2024–2024. Where gaps exist, the latest available data point is used.

    All figures are subject to revision as source organizations update their datasets. For the most authoritative data, we encourage consulting the original sources linked in the table above.

    Further Reading