OREANDA-NEWS   By the end of 2025, the average credit rating of Russians under the age of 25 decreased by 37 points, to 612 points. Forbes writes about this with reference to the data of the United Credit Bureau (OKB).

For all Russian borrowers, this indicator dropped by only two points, to 707 points. For a particular client, the rating affects the terms of the loan, the amount of the approved loan, the probability of approval, the term and the full cost of the loan.

Nikolai Filippov, Director of Risk Management Methodology and Data Analytics at OKB, called the drop in the youth's credit rating quite significant, although expected. In his opinion, the main reason for the dynamics was the lack of financial literacy among young people. They make delays too often, which lowers the numbers.

The VTB press service confirmed that the payment discipline of young Russians is on average worse than that of other age groups. At the same time, the bank stressed that there is a growing trend in this category to abandon the use of credit products, which affects the overall situation. In turn, Igor Korchagin, head of the Credit Rating product at the Compare financial marketplace, believes that the low average credit rating of young people indicates a low indicator of their financial capabilities.

Earlier it was reported that, according to formal criteria, a banking crisis began in Russia after the "bad debt" crisis, although both of them are taking place in a moderate form.