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Published: Aug 30, 2022 4 min read
Photo collage of two hands holding a smartphone with credit scores and credit cards in the background
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Credit scores saw a jump during the first year of the pandemic. Now, amid high inflation and rising consumer debt, they're holding steady — and that's not necessarily a good thing.

The national average FICO credit score sits at 716, which is still an all-time high but is unchanged from a year ago, according to a new report from FICO, the analytics company that developed one of the go-to credit scores for lenders.

"This leveling-off of the score is significant, as 2022 marks the first time in over a decade that the average FICO score has not increased year over year," says Can Arkali, senior director of scores and predictive analytics at FICO.