Millennials' low credit scores explained

Millennials have been identified as having the lowest credit score of any generation, according to

The group's average credit score is 628, according to, which is 50 points lower than the national average and also the lowest of any generational group.

A credit score above 660, out of the maximum 850, is healthy.

On one hand, millennials are more aware of their debt accumulation and actively work toward keeping it low.

On the other, being uneducated about the credit process and neglecting credit cards simply spell tough times ahead for the demographic group, which consists of adults ages 18 to 34.

Another important aspect to consider is the amount of time (or rather lack thereof) millennials have had to build their credit history. It takes some time to acquire good credit habits, as well.

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