Thursday, December 1, 2022


Do you know your credit score?


Quick! Off the top of your head, do you know your credit score? Don’t worry, we don’t want to know what it is (and remember, we don’t track any of your answers – we have no idea how you vote!), we just want to know if you know it.

According to Experian®, the average credit score of someone in the U.S. is 711 – that’s pretty good! In 2019, Boomers had the highest average credit score (736), while Gen Z had the lowest (674). And, in 2020, Mississippi had the lowest average credit score out of all 50 states (675) and Minnesota had the highest (720).

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Grant Graves
1 year ago

I agree with others. I increased my debt and my score went up to around 815 then paid off the debt and my score dropped to 812. Like others, I regularly use a credit card that I pay off each month. No other debt. But remember, the financial institutions that define the credit scores want you to carry debt and pay interest; that is how they make money.

Gene Bjerke
1 year ago

I answered “Yes” because I looked it up a little while back. I don’t recall it at the moment because I have no interest in borrowing any more money for a long time.

MN Anon
1 year ago

Mine was hovering just above 800. Then we took a small, short-term loan for our RV, paid it off in 2 months and our credit rating dropped about 15 points! We have no debt, so the “recommendation” to improve our credit rating is to get more credit cards or give a mortgage! That’s not gonna happen, and we don’t worry about it.

1 year ago

yes, we know it but pay no attention to it or live our lives as a slave to it. we have zero debt and have been 100% debt free for close to 20-yrs. we were debt free except for our mortgage before that and paid that off before we retired.

1 year ago

we have been trying to figure this out for a while now. both of our scores go from 800 – 840 and we don’t know why they keep doing this. we use one credit card, pay it off every month and have no debts. we have had identity theft which brought it down into the mid 700’s but that has since been resolved. who actually knows how they figure these things out.

1 year ago

We’ve maintained a perfect 850 for some time. Once in a while it will drop about 10 points, then raise back up. Makes no sense to us and since we do not finance anything, it really is meaningless.

Thomas D
1 year ago

Mine bounces around about 15/20 points a month. Why? Nothing changes.i have NO debt ,no payments, no mortgage. But they say it can affect your cost of car and home insurance. Does not make any sense. My recently divorced daughter has a better score than my wife or me and basicly has no assets or right now a job. Go figure.

1 year ago

Was at 780 figuring what little was on to cards would pay off heading into retirement. Needless to say my score dropped. Oh friggin well. Maybe just cancel the cards, work of the debit visa in one account and call it good. If need a loan someday get it through the SCU.

1 year ago
Reply to  Skip

Canceling the credit cards will probably lower your score. The longer you have a credit card the better for your score as long as you don’t miss payments.

Wayne Braxton
1 year ago

I have two accounts that constantly monitor mine. I can check daily if I want to. But, I normally check it every 10 days or so. I am privileged to maintain a higher than average score, over 800.. The DW and I are not frivolous or spendthrifts.

1 year ago
Reply to  Wayne Braxton

Some people dont believe a credit score can be that high. It really can. The last time we checked my wife’s score was 830, mine a meager 823. Even though we dont need to buy anything on credit, our financial advisor says we should use it a little bit occasionally to help keep our insurance low. It doesn’t make sense to me but I dont make the rules. We decided decades ago to not buy anything on credit, but we use a card for some things like travelling, or online shopping.

Dick & Sandy from near Buffalo, NY now in Florida
1 year ago

Too many people think there is no need to know their credit score or their credit score has no meaning. Well lets see. Did you know that your credit score is considered in what premium you pay for your auto insurance, your home insurance and possibly your RV insurance. Knowing your credit score and monitoring it and seeing a change may let you know you have a financial problem with a creditor or maybe you have been hacked. Your credit score is an indication of your financial health. Sooner or later, your credit score will effect your life in some way or another. Just google what does my credit score effect and see if any or those answers effect you. My no fee credit cards provide me with my FICO score with each monthly statement. ALSO you are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Stay well, Stay safe and Safe travels.

Neal Davis
1 year ago

We are retired and pretty much finished making major purchases, so our credit score matters little to us. However, we do subscribe to a couple of the credit agencies in an attempt to prevent identity theft. Because of those subscriptions and one of our credit card companies, we frequently are reminded of our credit rating. So, we know it, but not because we seek the information.

Ed K
1 year ago

I have no need to know this at this time.

Diane Mc
1 year ago

Both of us have near perfect scores. Don’t really understand as I owe nothing. Home mortgage is under husband’s name and that’s it for him. Both of us pay everything off every month. Definitely not the ideal “credit worthy” people as we have none😂. Upside down thought process.

1 year ago

I said yes but there are several different scores at any one moment in time, depending on the reason a business or other entity wants to know.

1 year ago

I was super proud when I reached a perfect credit score. Then I paid off our RV and truck. Two months later my score dropped! The cause? ‘No installment loan activity’. Isn’t it great that the system is built to prefer you carry debt??!

1 year ago

1984 is here. We just fail to recognize it.

1 year ago
Reply to  Tom

👍👍👍 Just moments ago I said to my wife that I need to read the book again!

1 year ago

Credit scores are an artificial, useless number. We have no debt and that is considered a big negative. This makes no sense.

Bill N Stacey
1 year ago

Social Credit Score Coming Soon…. : (

1 year ago
Reply to  Bill N Stacey

👍👍👍 I will probably have a low number!

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