{"id":520903,"date":"2026-01-23T11:23:05","date_gmt":"2026-01-23T16:23:05","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=520903"},"modified":"2026-01-23T11:23:09","modified_gmt":"2026-01-23T16:23:09","slug":"where-do-consumers-fall-across-credit-score-ranges","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/","title":{"rendered":"Where Do Consumers Fall Across Credit Score Ranges?"},"content":{"rendered":"\n

Credit scores play a quiet but powerful role in financial life, influencing everything from loan approvals to interest rates and insurance costs. While most people know whether their credit is \u201cgood\u201d or \u201cbad,\u201d fewer understand how credit scores are spread across the population. Looking at these score ranges helps put individual credit profiles into context and shows how common, or rare, certain credit situations really are.<\/p>\n\n\n\n

Don\u2019t miss another episode of Truth In Data! Click on the red bell in the lower-left of your screen to receive notifications as soon as the episode publishes.<\/p>\n\n\n\n

Data for today\u2019s episode is provided by\u00a0Javelin Strategy & Research\u2019s Report:<\/strong><\/em> Evolutions in Secured Cards: Not Ready for Traditional Lenders<\/a><\/em><\/strong><\/p>\n\n\n\n

Number of People in Various Credit Scoring Segments, in Millions (2025)<\/h2>\n\n\n\n
    \n
  • 7.0 – No credit score<\/li>\n\n\n\n
  • 37.9 – Poor (300-579)<\/li>\n\n\n\n
  • 39.8 – Fair (580-669)<\/li>\n\n\n\n
  • 54.5 – Good (670-739)<\/li>\n\n\n\n
  • 73.4 – Very Good (740-799)<\/li>\n\n\n\n
  • 61.4 – Exceptional (800-850)<\/li>\n<\/ul>\n\n\n\n

    Source: American Banker, FICO<\/em><\/p>\n\n\n\n

    About Report<\/strong><\/h2>\n\n\n\n

    A new type of fintech payment card is reshaping the traditional secured credit card model. Rather than asking consumers with limited or damaged credit histories to deposit funds as collateral, these products link a credit card directly to a checking-style account. When the card is used, the transaction amount is automatically pulled from the connected deposit account, effectively settling the balance right away. These credit-building cards operate on the Visa and Mastercard networks and are not offered through American Express or Discover, which issue cards directly to consumers.<\/p>\n\n\n\n

    From a regulatory standpoint, this structure raises open questions. Because payments are automatically covered through the linked deposit account, the cardholder is not actively managing repayment in the same way as with a standard credit card. Financial institutions have also flagged concerns around merchant impact, since transactions are processed over credit card networks with higher interchange fees rather than through debit rails that are subject to stricter pricing limits.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Credit scores play a quiet but powerful role in financial life, influencing everything from loan approvals to interest rates and insurance costs. While most people know whether their credit is \u201cgood\u201d or \u201cbad,\u201d fewer understand how credit scores are spread across the population. Looking at these score ranges helps put individual credit profiles into context […]<\/p>\n","protected":false},"author":1,"featured_media":520905,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":null,"jnews_primary_category":[],"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1259,1139],"tags":[],"class_list":["post-520903","post","type-post","status-publish","format-video","has-post-thumbnail","hentry","category-credit","category-truth-in-data","post_format-post-format-video"],"yoast_head":"\nWhere Do Consumers Fall Across Credit Score Ranges? - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"See how consumers are distributed across credit score ranges and what those segments reveal about the overall credit landscape.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Where Do Consumers Fall Across Credit Score Ranges?\" \/>\n<meta property=\"og:description\" content=\"See how consumers are distributed across credit score ranges and what those segments reveal about the overall credit landscape.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-23T16:23:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-23T16:23:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/01\/TiD-914-cover.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"PaymentsJournal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"PaymentsJournal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/\"},\"author\":{\"name\":\"PaymentsJournal\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/e1b0e88c0cfc7927866111840c4224c8\"},\"headline\":\"Where Do Consumers Fall Across Credit Score Ranges?\",\"datePublished\":\"2026-01-23T16:23:05+00:00\",\"dateModified\":\"2026-01-23T16:23:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/\"},\"wordCount\":319,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/TiD-914-cover.jpg\",\"articleSection\":[\"Credit\",\"Truth In Data\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/\",\"name\":\"Where Do Consumers Fall Across Credit Score Ranges? - PaymentsJournal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/TiD-914-cover.jpg\",\"datePublished\":\"2026-01-23T16:23:05+00:00\",\"dateModified\":\"2026-01-23T16:23:09+00:00\",\"description\":\"See how consumers are distributed across credit score ranges and what those segments reveal about the overall credit landscape.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/TiD-914-cover.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/TiD-914-cover.jpg\",\"width\":1280,\"height\":720,\"caption\":\"credit score segments\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/where-do-consumers-fall-across-credit-score-ranges\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Where Do Consumers Fall Across Credit Score Ranges?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"name\":\"PaymentsJournal\",\"description\":\"Payments Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.paymentsjournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/paymentsjournal\\\/\",\"https:\\\/\\\/x.com\\\/paymentsjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/paymentsjournal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/e1b0e88c0cfc7927866111840c4224c8\",\"name\":\"PaymentsJournal\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/paymentsjournal-logo-150x46.png\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/paymentsjournal-logo-150x46.png\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/paymentsjournal-logo-150x46.png\",\"caption\":\"PaymentsJournal\"},\"description\":\"PaymentsJournal is a free, comprehensive online payment news and information portal designed to keep payments and banking industry professionals informed.\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/pjadmin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Where Do Consumers Fall Across Credit Score Ranges? - PaymentsJournal","description":"See how consumers are distributed across credit score ranges and what those segments reveal about the overall credit landscape.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/","og_locale":"en_US","og_type":"article","og_title":"Where Do Consumers Fall Across Credit Score Ranges?","og_description":"See how consumers are distributed across credit score ranges and what those segments reveal about the overall credit landscape.","og_url":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2026-01-23T16:23:05+00:00","article_modified_time":"2026-01-23T16:23:09+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/01\/TiD-914-cover.jpg","type":"image\/jpeg"}],"author":"PaymentsJournal","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"PaymentsJournal","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/"},"author":{"name":"PaymentsJournal","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/e1b0e88c0cfc7927866111840c4224c8"},"headline":"Where Do Consumers Fall Across Credit Score Ranges?","datePublished":"2026-01-23T16:23:05+00:00","dateModified":"2026-01-23T16:23:09+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/"},"wordCount":319,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/01\/TiD-914-cover.jpg","articleSection":["Credit","Truth In Data"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/","url":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/","name":"Where Do Consumers Fall Across Credit Score Ranges? - PaymentsJournal","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/01\/TiD-914-cover.jpg","datePublished":"2026-01-23T16:23:05+00:00","dateModified":"2026-01-23T16:23:09+00:00","description":"See how consumers are distributed across credit score ranges and what those segments reveal about the overall credit landscape.","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/01\/TiD-914-cover.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/01\/TiD-914-cover.jpg","width":1280,"height":720,"caption":"credit score segments"},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/where-do-consumers-fall-across-credit-score-ranges\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"Where Do Consumers Fall Across Credit Score Ranges?"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Payments Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/e1b0e88c0cfc7927866111840c4224c8","name":"PaymentsJournal","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/paymentsjournal-logo-150x46.png","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/paymentsjournal-logo-150x46.png","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/paymentsjournal-logo-150x46.png","caption":"PaymentsJournal"},"description":"PaymentsJournal is a free, comprehensive online payment news and information portal designed to keep payments and banking industry professionals informed.","url":"https:\/\/www.paymentsjournal.com\/author\/pjadmin\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/520903","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=520903"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/520903\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/520905"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=520903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=520903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=520903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}