What should my credit score be?

There is no right answer to what your credit score should be, other than as high as possible. Pretty much anyone can have good or excellent credit, regardless of age, income, practical experience, etc. After all, there’s no minimum age for authorized users on a credit card, and it’s possible to build superb credit from authorized use alone. Plus, you can get your own credit card account at age 18, helping you either establish or continue building credit history.

With that being said, it can be helpful to compare your score to some benchmarks. For example, the average credit score in the U.S. is 669, according to WalletHub data. And you can find credit score averages by age group below.

Average Credit Score by Age Group

·         20 & Under: 631

·         21 – 34: 634

·         35 – 49: 655

·         50 – 69: 700

·         70+: 730

You can find more data points for comparison on WalletHub’s average credit score page. And you can check your latest credit score for free on WalletHub, too. 

It really depends on how much of your credit limit you used, and if you've been paying it in full every month.

Just  a bit over 600, but it really depends on what you've been doing with that card.