Which range can take credit for the most people?

Answer: 800-850 with 24.8% of people in that range

Questions:

• What are some of the disadvantages of having a low credit score?
• What are some advantages of having a high credit score?
• Why do lenders use credit scores? How is this information helpful in running their business?
• Should you be discouraged if your credit score isn't 800-850? Explain why or why not.

Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.

Behind the numbers (FICO):

"More consumers scored in the lowest and highest score ranges compared with 2021. About 38.1% of the population scored 600–749 in 2021, while only 33.8% of the population fell in these middle ranges in 2025."

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Pair this question of the day with these popular Managing Credit activities: INTERACTIVE: FICO Credit Scores and CALCULATE: Impact of Credit Score on Loans

About the Author

Dave Martin

Dave joins NGPF with 15 years of teaching experience in math and computer science. After joining the New York City Teaching Fellows program and earning a Master's degree in Education from Pace University, his teaching career has taken him to New York, New Jersey and a summer in the north of Ghana. Dave firmly believes that financial literacy is vital to creating well-rounded students that are prepared for a complex and highly competitive world. During what free time two young daughters will allow, Dave enjoys video games, Dungeons & Dragons, cooking, gardening, and taking naps.