The average consumer has a score of 3.9, according to data released by the US Bureau of Consumer Financial Protection on Tuesday.
The score has been around 5.5 in the past.
But, the consumer credit bureau said that the average score has gone up over the past year.
The average consumer scored an average of 5.9 out of 10 in 2015, the latest data available.
However, a study from credit.com found that consumer credit scores have gone up significantly over the last decade.
In 2015, credit scores were around 3.7, according a recent study from Credit Karma.
Credit scores rose to 3.8 by the end of 2018.
In 2017, the average credit score was 3.6.
However in 2018, the credit score rose to 4.0.
The increase in credit scores in the last few years has caused a spike in interest rates.
For example, interest rates on new loans rose from 4.75 per cent in 2016 to 5.45 per cent today.
The average interest rate for a $20,000 loan in the first quarter of 2018 was 7.27 per cent.
But, a number of factors are making consumers feel more confident with their credit scores.
The most important factor is the number of points on their credit report.