Which Generation Has the Best FICO Credit Score?

In the ever-present battle of the generations, an unexpected winner emerges among the youngest three for the best credit health. Fresh-faced Generation Z beat out the other demographics with the highest FICO score and lowest amount of debt. They haven’t had much time to rack up charges, however, considering the oldest just recently reached the legal drinking age.

Of the three American generations following the Baby Boomers, the youngest is doing better at managing its credit.

Gen Z, meaning people born in 1995 or later, has an average FICO score of 637, above the all-age average of 634, according to a report from LendingPoint, a consumer lending platform.

Gen X, the 1965 to 1980 generation that followed the Baby Boomers, has an average FICO score of 632, the report said. Millennials, born between 1981 and 1996, have an average FICO score of 629.

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