Erdark / Getty Images The national average credit score is in the low 700s, according to credit bureaus Equifax and Experian. Key Takeaways Your credit score is an important part of your financial profile. If your score is above average, you may be able to secure lower interest rates on loans and better terms on lines of credit. In September of 2024, the average credit score in the U.S. was around 715, per credit bureau Experian. States like Mississippi and Louisiana are on the lower end of the natio ...