Millennials and New Generation interest in Credit Score!!

A credit score is a three-digit number, typically between 300 and 850, designed to represent your credit risk, or the likelihood you will pay your bills on time. Having a better credit score has become especially important for Millennials and Generation Z. They are the most frequent checkers of their personal credit scores, a OneScore study report revealed. As of 2019, people aged 23-38 are known as Millennials. Those younger than that come under Gen Z. Credit score monitoring app OneScore analyzed the data of 90 lakh users across the country for this study.

Over 46 percent of Millennials and Gen Z users improved their credit scores in the 2021-22 fiscal year. Compared to the previous financial year, checking credit scores among new customers increased by 163 percent in 2021-22. The average credit score of Millennials and Gen Z users in the fiscal year ending March 2022 was 715. Not much has changed compared to the score of 714 recorded in the previous financial year (2020-21). The share of users with a credit score between 300 and 747 remained around 63% in both fiscal years.

Increased awareness of having a better score and frequent score monitoring led to a 26 percent reduction in borrowers in the Millennials and Gen Z category deferring or delaying repayments. Over 56.8 percent of Millennials actively monitor their score in 2021-22. In 2020-21, this share is 48 percent. In the case of Gen Z users, this share has increased two and a half times. It has increased from 7.1 percent to 19.1 percent. The average number of times millennials check their credit score in a year has increased by 16 percent.

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