Curious about how your credit and financial state compares with the rest of the country?

The numbers don’t lie. We’ve compiled 25 useful and interesting credit, debt and saving statistics to help you better assess your situation and learn more about your credit score today.

1. On average, consumers have 13 credit obligations on record, including credit cards and installment loans, according to FICO.

2. 50% of all consumers have been 30 or more days late on a payment, according to FICO.

3. 3 out of 10 have been 60 or more days overdue, FICO reports.

4. 1 in 7 consumers uses 80% or more of their credit card limit, FICO reports.

5. 40% of credit card holders carry a balance less than $1,000, according to FICO.

6. 15% carry balances in excess of $10,000, according to FICO.

7. 84% of college students have credit cards, according to Sallie Mae.

8. 50% of college students or more have at least 4 cards, according to Sallie Mae.

9. 75% of college students who have credit cards carry a balance, Sallie Mae reports.

10. The average credit card balance for college students is $3,173, according to Sallie Mae.

11. According to a recent Javelin Strategy & Research study, 7.28% of respondents said paying off their credit card balance has become more difficult.

12. 45% of respondents to the Javelin study said their ability to contribute to savings has decreased.

13. 30% to 40% of employers use credit scores as an employment selection device, the U.S. Equal Employment Opportunity Commission reports.

14. According to information gathered by the US Census bureau, there were approximately 164 million credit card holders in 2005. That number is projected to grow to 176 million by 2010.

15. About 43% of American families spend more than they earn each year, MSN Money reports.

16. Of workers 55 years or older, about 50% have less than $50,000 in savings, excluding their homes and pensions, according to the Employee Benefit Research Institute.

17. Recently, personal savings rates have increased, rising from essentially zero last year to about 4.2% in July, according to US government statistics.

18. Personal bankruptcies have doubled in the past decade, according to MSN Money.

19. US Visa cardholders account for $1 trillion in annual volume, according to Visa USA.

20. 88% of respondents to a GfK Roper Survey admitted to immediately shredding or simply throwing out credit card offers received in the mail.

21. 25% of credit reports contain errors that have an impact on credit score, according to Public Interest Research Group.

22. FICO reports that the average consumer has had only 1 credit inquiry on his or her accounts within the past year.

23. Less than 6% percent of consumers had 4 or more inquiries resulting from a search for new credit, according to FICO.

24. According to Visa USA, 33% of consumer purchases in the US are made with a payment card such as a credit card, debit card or prepaid card.

25. Low interest rate is the No. 1 factor when choosing a new credit card, according to 58% of respondents to a GfK Roper Survey.

Now that you’re armed with these helpful credit, debt and savings statistics, are you ready to take the next step? Learn more about your own credit score now – request your free credit report and score today.

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