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The median means it’s exactly in the middle: 50 percent of people have a lower score, 50 percent have a higher score. So in order to judge their performance, we have to turn to a different scoring model.This will give you a much better idea of the credit score average for Americans and removes the massive bias of outliers. As an alternative, let’s use the Vantage Score, which Experian reports on each year.If you still insist on knowing the current “average” then good luck on finding that out. The Vantage Score is not the same thing as a FICO score — and Experian reports the averages by metro area, rather than state.Our site allows you access every feature with no credit card required or even signing up.That way you don't have to worry about "hidden charges" when you use our dating site.