Jinse Finance reported that U.S. consumer credit scores have experienced the largest decline since the aftermath of the 2008 global financial crisis. According to a report released by FICO on Tuesday, the average FICO credit score in the United States dropped from 717 a year ago to 715 in April, marking the second consecutive year of year-over-year decline. The credit rating agency attributed the drop in scores to rising credit utilization and delinquency rates, including the resumption of reporting on student loan delinquencies. The student loan delinquency rate has reached a record high.