Here's why the average US credit score is falling [FOX Business Network]
TransUnion (TRU)
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Source: FOX Business Network
The average U.S. credit score slipped nationwide, largely due to the resumption of federal student loan delinquency reporting on U.S. consumers' credit reports, according to FICO. The scoring agency reported that the national average U.S. FICO score – used as a benchmark for assessing consumer credit risk – fell to 715, marking a one-point drop from January and a two-point decline from April 2024. FICO scores, which range from 300 to 850, fluctuate based on updates to borrower behavior that is tracked by the three major U.S. consumer reporting agencies: Equifax, TransUnion and Experian. These scores are used by banks and lenders to see who they can safely lend money to. FICO regularly publishes the national average score, offering key insight into the state of consumer credit. According to FICO, federal student loan delinquencies were once again reported on credit files as of February 2025, following the emergency multi-year pause on federal student loan interest and payments
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News
- Fintech Platform Esusu Raises $50 Million Series C At A $1.2B Valuation, Helping People Build Credit Using Their Rental History [Yahoo! Finance]Yahoo! Finance
- Credit score average is ‘pretty healthy,' VantageScore CEO says — but high earners are masking signs of financial distress [CNBC]CNBC
- Esusu, platform for renters to build credit scores, valued at $1.2 billion in new funding round [CNBC]CNBC
- What the Federal Reserve interest rate cut means for you [Los Angeles Times (CA)]Los Angeles Times
- TransUnion (TRU): Taking Stock of Valuation After a Recent Share Price Rebound [Yahoo! Finance]Yahoo! Finance
TRU
Earnings
- 10/23/25 - Beat
TRU
Sec Filings
- 12/11/25 - Form 4
- 12/10/25 - Form 144
- 12/2/25 - Form 4
- TRU's page on the SEC website