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Two and Two > Average

Two and Two: The missing average FICO credit score

How is America doing? Putting two and two together about the average credit score.

Also, see


In January, 2009, TIME magazine reported that the FICO credit score company "hasn't gone back to recalculate the average recently." Today, the company sells credit scores and compares them to averages of FICO scores based, individually, on Equifax and TransUnion consumer files.

To: Craig Watts, FICO
From: Greg Fisher
Date: May 21, 2010
Subject: RE: credit score, average


Your website gives an example of an Equifax FICO Score Summary with the words, "Your score is below the average score of U.S. consumers." The score in the example is 707. What is the average?

You also provide a TransUnion FICO sample with the same words. What is the average TransUnion FICO score?

If the average is "somewhere in the mid 600s" as your CEO claims, then how can 707 be below the average?

It doesn't add up.

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Do employers use credit scores?

Don't believe it.

April, 1997: "Information on how to obtain one's credit score is suspiciously absent from your site. How do I get mine?"

"And we're not running a game show. I mean, we're evaluating risk. We're not trying to have people get--achieve the highest score."

"Fisher is a fan of going by the book and then beyond it."

"He beat the scoring proponents to the punch by scooping up the web address, from which he launches often strident, sometimes wacky, but usually well-documented attacks on the credit-scoring concept and the industries that support it."

Realty Consumers Empowered By Online "Peoples" Court - "His Web site helped him-- and millions of other consumers-- extend fair credit reporting rights to credit scoring information."

"Fisher operates the Web site, which skewers the secrecy of the credit bureaus and Fair, Isaac." - The Detroit News

" is an exceptionally-interesting site that offers news and information regarding credit scoring and-- really-- the entire credit process."

"'Garbage in, garbage out,' says Greg Fisher of Dayton, Ohio, who runs two Web sites on the subject, and"