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For middle-class Americans, the median credit score is 735, a pretty strong showing.

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Different research reports can also suggest varying average credit scores.

In my experience, the average middle-class credit score generally falls between 690 and 739, Kullberg said.

Why are the credit scores at this level?

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Theaverage upper-middle-class credit scoreranges from 740 and above, Kullberg said.

The upper middle class has higher credit scores ranging from 720-780, Jampedro said.

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