Credit scores are dropping nationwide, reflecting struggles Americans are having to stay afloat financially, according to FICO. The national FICO score, or three-digit number used to summarize your credit report, fell two points to 715 from last year,the credit scoring services company said in its inaugural FICO Score Credit Insights report. The decline was driven by rising credit card utilization and a spike in missed payments, partly due to resumed student loan delinquency reporting, FICO said. Many co ...