[U.S. Consumer Credit Scores See Largest Decline Since 2008 Financial Crisis] According to a report by Jinse Finance, U.S. consumer credit scores have experienced the largest drop since the aftermath of the 2008 global financial crisis. A report released by FICO on Tuesday shows that the average U.S. FICO credit score fell from 717 a year ago to 715 in April, marking the second consecutive year of year-over-year decline. The credit scoring agency attributed the drop to rising credit utilization rates and delinquency rates, including the resumption of reporting on student loan delinquencies. Student loan delinquency rates have reached a record high.