The national average credit score is 678

The national average credit score is 678

The national average credit score is 678 as of summer 2005. Researchers at Household - HSBC Watch follow the impact of predatory lending and predatory credit card processing by HSBC and their holding company formerly known as Household International. In many cases - more than what one would expect from a reputable organization - late crediting of payments causes problems for unsuspecting consumers. “If a customer mails a payment 20 days early the customer does not expect it to be credited one day late, especially in light of Shea v Household” said the watchdog organization. For more see this report.

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