FICO reported that the average U.S. FICO Score dropped to 715 in April 2025, down two points from a year ago. The decline is partly due to the resumption of federal student loan delinquency reporting. Over eight million borrowers may be affected.

Delinquencies are rising, with 8.3% of consumers having a 90+ day delinquency, surpassing pre-pandemic levels. However, average credit card utilization decreased slightly, helping soften the score impact.

More details:
https://www.fico.com/blogs/student-loan-delinquencies-lower-average-fico-score-715
Source: FICO via BusinessWire