Understanding good credit scores for college students is important as it marks the beginning of financial independence and responsibility. A credit score is a number that represents your creditworthiness and is especially important as you begin to navigate the world of financial decisions. A good credit score for a college student typically ranges from 670 to 739, aligning with standard credit rating bureaus' definition of a "good" credit score. This average credit score for college students is similar to the average credit score for American adults, which is 716.
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What is a good credit score for a college student?
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Build credit with responsible use(Student): Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build credit.
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No Credit Score Required: Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation. Not having a credit record may impact your approval odds.
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Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.