Experian Data Shows Credit Score Plateau for Millennials, Gen X

Credit scores for Millennials (ages 28-43) and Generation X (ages 44-59) are plateauing in the "good" range, according to Experian data cited in a January 25, 2026, report. Millennials average a score of 691, while Gen X averages 709, placing them between younger Gen Z (681) and older Baby Boomers (745). The 18-point gap between the two middle generations is significantly smaller than the 64-point gap between Gen Z and Boomers, indicating scores tend to stabilize in mid-adulthood. While these scores typically qualify for credit approval, moving into "very good" or "exceptional" ranges is required to secure the most competitive interest rates on major loans. Payment history, which accounts for 35% of a FICO score, is the most significant factor.