A new report by Experian found that Marylanders have higher credit scores than the average American.

Examining data from 2025, Experian found that nearly 1 in 4 U.S. consumers (or 23%) have FICO scores of 800 or higher. In Maryland, 24.4% of consumers have scores of 800 or higher.

According to the report, Baby Boomers make up the majority of exceptional credit scores at 43.3%. Exceptional scores fall between 800 and 850.

That statistic was no surprise for Johns Hopkins Federal Credit Union President and CEO Keith O'Neil.

"The longer that you have a credit score out there, and the more mature you are in your utilization of credit, the better your scores are going to be overall," he said.

According to Experian, the following factors contribute to a person's credit score:

Payment hist

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