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Debt and Credit: How They Affect Your Credit Score & Report
Debt and Credit The average FICO score in the United States dropped to 713 in 2025. This is a small dip from the record high of 715 seen back in 2023. At the same time, the average person now carries a total debt of $105,444. These numbers act like a scoreboard for how people handle their money. They show that managing debt is a major part of life for most adults today. A credit score is a …