Key Takeaways Millennials average a 691 FICO score—though that's solidly in the "good" range, there's room for improvement. By your 40s, you've likely earned a higher score due to a longer credit history and more mature credit behavior—unless you've weathered difficult financial situations that have tested your spending (and your score). If you're in your 30s or 40s, your credit score is hitting its stride. Millennials (ages 28–43) average 691 and Gen Xers (ages 44–59) average 709. Both are in the ...