Average Credit Scores by Age: The average FICO 8 credit score for individuals aged 18-29 is around 6801. The average VantageScore 3.0 score for Gen Z (born in 1997 or later) is approximately 6691. Keep in mind that these are averages, and individual scores can vary. Factors Affecting Credit Score: Credit History Length: Young adults may have lower scores due to their shorter credit history. Income: Having a stable income can positively impact your creditworthiness. Building Credit: If you're starting with no credit, consider these steps: Secured Credit Card: Apply for a secured credit card, which requires a deposit but helps build credit. Authorized User: Become an authorized user on someone else's credit card. Student Loans: Making on-time payments toward student loans can also contribute to your credit history. Remember that building credit takes time, so be patient and responsible with your credit usage