Board of Governors of the Federal Reserve System

The Federal Reserve, the central bank of the United States, provides the nation with a safe, flexible, and stable monetary and financial system.

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Figure 1. Current state of access to credit (Number of people in millions)

Number of people in millions

	Credit invisible	Thin file	Subprime	Near prime	Prime
Consumers without credit scores (unscoreable)	7	25
Consumers with credit scores (scoreable)			63	38	125

Note: Credit invisible, thin file, subprime, and near prime are most likely to benefit from alternative data. Current U.S. adult population is 258.3 million. U.S. adult population is 258.3 million.

Source: Staff calculations.

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Last Update: October 17, 2025

Consumer & Community Context - October 2025

Accessible Version

Figure 1. Current state of access to credit (Number of people in millions)