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DID YOU KNOW?
〉〉〉 Nearly 1 in5 adults have a credit score below 600
That’s over 45 million Americans stuck in the “bad credit” range and often denied housing, auto loans, or basic credit access.¹
〉〉〉 1 in 3 Americans have a debt in collections
According to the CFPB, about 30% of adults have at least one account in collections—medical, utilities, credit cards, or loans—directly dragging their score down.²
〉〉〉 Over 1 in 5 credit reports contain errors that hurt scores
The FTC reports that 21% of consumers found verified mistakes (collections, balances, late payments) serious enough to impact approvals and interest rates.³
Why Your Credit Matters More Than Ever
- Millions of people are being held back by bad credit.
- Bad credit can affect your ability to get a home, a car, a lower interest rate, or even certain jobs.
- Bad credit is more common than most people realize: scores under 600, debts in collections, and report errors impact tens of millions every year.
- These issues silently cost people thousands of dollars and block opportunities.
You don’t have to stay stuck.
You can break free.
Let NorthScore™ help you:
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¹ Estimate based on credit-score distribution data from FICO and Experian reporting that approximately 15–20% of U.S. consumers have a FICO score below 600.
Source: FICO / Experian, U.S. Credit Score Distribution Reports (latest available).
https://www.experian.com/blogs/ask-experian/fico-credit-score-distribution/
² Urban Institute analysis shows approximately 71 million U.S. adults (about 30%) have at least one debt in collections.
Source: Urban Institute. “71 Million U.S. Adults Have Debt in Collections.”
https://www.urban.org/urban-wire/71-million-us-adults-have-debt-collections
³ CFPB and FTC research shows roughly 20–21% of consumers have verified errors on at least one credit report.
Source (FTC original research): Federal Trade Commission. “FTC Study: Errors on Credit Reports Found in 1 in 5 Consumers.”
https://www.ftc.gov/news-events/news/press-releases/2013/02/ftc-study-five-percent-consumers-had-errors-their-credit-reports-could-result-less-favorable-terms
( Supported by 2024 Consumer Reports findings showing 44% found errors, with 27% serious.)
https://advocacy.consumerreports.org/press_release/almost-half-of-participants-in-credit-checkup-study-find-errors-on-credit-reports-more-than-a-quarter-find-serious-mistakes/