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The survey also lets you say what you liked or didn't like about your experience.

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As of year end 2015 (according to Experian’s Experian’s “State of Credit” data), the national average Vantage Score was 669, up slightly from 666 the year before.

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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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If you want a better gauge of where you fit in, then you should be looking at the median credit score.

Several years ago, FICO reported the median score as 723, but has been pretty silent on that front since. FICO doesn’t release a state-by-state breakdown of score distribution.

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