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“As of March 2015, the median FICO score nationwide was 721 – half of consumers with a FICO score had scores above 721, and half had scores below 721.”
The CFPB conducted an analysis using the CFPB’s Consumer Credit Panel (CCP) dataset. The CCP is a 1-in-48 longitudinal sample of de-identified credit records purchased from one of the national credit reporting agencies. The sample is statistically representative of the population of consumers with credit records.