Well, that’s really not even a question you should be asking. Because those with ultra-low scores (due to a bankruptcy, foreclosure, etc) are going to have scores significantly lower — these drag down the average number big time.
It’s like asking what’s the average income in the US – the number of unemployed will totally skew the numbers (not to mention the throngs of millionaires).
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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.
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