The average FICO credit score in the United States is a 687. The medium credit score in the US is a 723. Which one is a better determinant of the credit worthiness of Americans? In assessing credit scores, the medium is a better indicator when assessing the credit scores of Americans on the aggregate. That is because in terms of talking about an average credit score, that is just a number and does not tell you where you fall within the credit score range—as in, what is your percentile. Whereas, if you measure credit score by the medium, you know what your score is and where it is in relation to the rest of the population. In other words, the medium score tells you precisely and accurately what your score is and where you rank.