For many consumers, 2024 was a mixed bag of pluses and minuses when it came to credit. Many borrowers with lower fixed-rate mortgages considered themselves lucky and resisted the urge to move or sell.

The average credit score was 715 in 2024, according to Experian data. That average, as of the third quarter of 2024, is unchanged from the same quarter in 2023. For 11 straight years, the average ...

Trying to raise your credit score without taking on new debt or applying for another credit card? You’re not alone — and chances are, you’ve heard of Experian Boost. But does Experian Boost work, ...