The average American credit score is getting stronger, according to CNBC. In fact, the average score hit a record in 2018: 704. Congratulations, America! To measure creditworthiness, the most widely used score in the country is FICO (named for its creator, Fair Isaac & Company, in 1956). The game played here is called “predictive analytics,” which uses your credit information to analyze and predict how you would handle more credit and responsibility. Somebody with a poor FICO score may not be approved for further credit opportunities. The assumption could be …