Know the process

Preparing to shop

“As of March 2015, the median FICO score nationwide was 721 – half of consumers with a FICO score had scores above 721, and half had scores below 721.”

The CFPB conducted an analysis using the CFPB’s Consumer Credit Panel (CCP) dataset. The CCP is a 1-in-48 longitudinal sample of de-identified credit records purchased from one of the national credit reporting agencies. The sample is statistically representative of the population of consumers with credit records.

Was this page helpful to you?

Yes

No

Additional comment
(optional)

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.

About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.