And they're putting in the most effort to improve their scores.

Do you check your credit often? If you grew up with internet access, you probably do.

Seventy percent of millennials have checked their score more than once in the last year, according to a recent poll from Discover. And 83 percent of them say they’re working toward improving their credit scores.

Here’s how that compares to their elders…

Checked their credit score more than once last year

  • Gen X: 67 percent
  • Baby boomer: 61 percent

Working to improve their credit score

  • Gen X: 66 percent
  • Baby boomer: 34 percent

Checking our credit scores gives us peace of mind, but that especially applies to younger Americans. Seventy-six percent of millennials feel that checking their credit score helps them make smarter financial decisions. Only 38 percent of baby boomers and 14 percent of Gen Xers say the same.

“As awareness of credit scores continues to grow among consumers, it’s particularly encouraging to see the younger generation’s dedication to improving their scores,” says Discover VP Jeff Bielski. “Building credit at a young age can be beneficial down the road when it comes time for some of life’s big moments, like buying a home or a car, or renting an apartment.”

How private should you keep your credit score?

Millennials aren’t the only ones who are looking to give their credit scores a much-needed boost. Eighty-two percent of Americans say they checked their score at least once within the last year. That’s up 10 percentage points from last year.

While credit scores tend to be a relatively personal topic, 72 percent of respondents admit their partner’s credit score was important to them. A quarter of respondents expect scores to be exchanged within the first three months of dating. Meanwhile, 20 percent say they would never share their credit score with their partner.

“For those who have worked hard for a strong credit score, it’s logical to want that same ethic in a partner,” the report says. “Whether you’re one to share everything or someone who wants to keep his or her credit details private, it’s probably not a bad idea to discuss your partner’s wishes so that you’re both on the same page about this personal topic.” has previously reported that nearly two-thirds of men and 77 percent of women believe a good credit score is really important in a partner. Most think it’s more attractive than looks.

Credit score misconceptions

While the survey found that many people like to check their credit score, there is a surprising number of people who don’t think it’s a good idea.

Twenty-two percent believe checking their credit scores can negatively affect it, the survey says. Meanwhile, 16 percent aren’t sure of the repercussions. Luckily, 62 percent correctly state that checking your credit score doesn’t cause any damage to it.

The good news is, it’s becoming more popular to check your credit score among all generations. Whether we’re planning major purchases, like taking on a mortgage or car loan or applying for a credit card, many of us are looking to bump up our credit scores to get the best interest rates.

We tend to check it for ways to clean it up, even though having good credit doesn’t necessarily exempt us from debt.

If you want to learn how to boost your credit score, check out Get the Credit Score You’ve Always Wanted.

You can track daily changes to your credit score with’s 3-credit bureau monitoring tool. It’s free for 30 days.

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Meet the Author

Dori Zinn

Dori Zinn


Zinn is a freelance journalist based in Fort Lauderdale, Florida.

Budgeting & Saving, Credit & Debt, News

credit score, millennials

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Article last modified on September 28, 2018 Published by, LLC . Mobile users may also access the AMP Version: Millennials Check Their Credit Scores More Than Older Generations - AMP.