Want to boost your credit score, regardless of your age?...

Read these tips below to achieve a better credit score!

Its never been easy to learn more about your credit score and history. As a result, peoples score are higher then ever. Age is an advantage with older Americans having higher credit scores than younger ones, VantageScore, which was created by the credit reporting agencies Experian, TransUnion and Equifax, details this trend. Then VantageScore ranges from 300 to 850, with 850 signifying exceptional credit. 

Average VantageScore by Generation

730- Silent Generation (born between 1925 and 1943)

700- Baby Boomers (born between 1947 and 1966)

655- Generation X (born between 1967 ans 1981)

634- Millennial's (born between 1982 and 1995)

631- Generation Z (born between and later)


  • Younger consumers tend to have lower incomes than older consumers.
  • A long credit history contributes to a higher score.
  • Younger consumers may not have a well-rounded mix of credit types.
  • Keep making payments on time .
  • Use credit responsibly.
  • Avoid carrying high balances on your credit card.

How is your credit score calculated?

35% Payment history

30% Amounts owed

15% Credit history 

10% Inquiries, new credit lines

10% Types of credit in use



 Courtesy of Mike Patel,   

First Team Real Estate Christie’s International .   www.mikepatel.com

 714-470-8600    dre 01146880 


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