Consumers with HELOCs have the highest average credit score

While the overall average VantageScore® for consumers in Q4 2012 was 748, the average score can vary greatly by specific loan product. For example, the average VantageScore for consumers with a home equity line of credit is 864, which is the highest average score for all products, reflecting tighter lending requirements. Student loans have the lowest average VantageScore of 695.

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Source: Experian—Oliver Wyman Market Intelligence Reports

VantageScore® is a registered trademark of VantageScore Solutions, LLC.