What everyday consumers really think about their credit in 2026

FICO reports that Americans are becoming increasingly engaged with their credit in 2026. Data indicates that 89% of consumers are actively taking specific steps to improve their overall financial health. Despite this increased engagement and proactive behavior among everyday consumers, many misconceptions regarding credit scoring persist. This trend highlights a growing interest in financial management alongside a continuing need for clearer understanding of how credit scores are calculated and maintained by the general public.