Experian Credit Scores «FAST ◉»

: The most critical factor; even one 30-day late payment can cause a significant drop.

: The variety of accounts, such as credit cards, mortgages, and auto loans.

: Recent hard inquiries and newly opened accounts. Scoring Models and Ranges experian credit scores

Scores are calculated using data from your Experian credit report based on five weighted categories:

Experian credit scores, primarily FICO® Scores and VantageScore® models, are numerical representations of creditworthiness ranging from 300 to 850. As of September 2025, the average U.S. credit score was 713. Core Scoring Factors : The most critical factor; even one 30-day

: Considers the age of your oldest and newest accounts.

: Includes total debt and credit utilization (percentage of available credit used). Scoring Models and Ranges Scores are calculated using

Lenders choose between different models, though 90% of top lenders use FICO® Scores. Standard ranges for these scores include: What Is a Good Credit Score? - Experian