The credit scoring company reported that the average national FICO score has slipped slightly, raising concerns about household resilience amid shifting economic conditions.The overall score has declined by around two points. While modest, the drop reflects broader shifts in consumer creditworthiness. In 2021, nearly 38.1% of the population held scores in the 600–749 range. By 2025, that proportion had fallen to 33.8%, indicating a narrowing of the middle ground between strong and weak borrowers.The most p ...

消费者信用状况变化 - 美国消费者因通胀和高利率承受财务压力 导致整体FICO评分小幅下降约2点 [1] - 信用评分在600至749分区间的人口占比从2021年的38.1%下降至2025年的33.8% [1] - Z世代成年人信用评分下降幅度最大 主要受学生贷款压力驱动 [2] 学生贷款拖欠情况 - 学生贷款拖欠率在2023年创下历史新高 [2] - FICO监测的2100万客户中 超过10%有学生贷款还款到期 [2] - 其中超过10%的借款人出现还款拖欠情况 [2] 行业观点分歧 - 部分大型银行认为消费者财务状况良好 信用质量恶化迹象有限 [3] - 尽管就业市场出现降温迹象 但银行仍保持乐观看法 [3] 信用健康指标分析 - 平均FICO信用评分仍保持在715分的历史高位附近 [4] - 平均FICO评分被视为信用健康的滞后指标 [4] - 未来平均信用评分面临诸多潜在风险 [4]