Credit scores increased during the pandemic, especially among pause-affected borrowers

Notes: Affected borrowers include all borrowers with at least one affected loan. Unaffected borrowers do not have any affected loans and largely do not have any open student loans. To show both groups on the same scale, credit scores for each group are plotted relative to their initial credit score at the end of January 2020. Borrowers represented in this figure have a reported credit score in every period in the graph. Delinquent borrowers are defined as a borrower with at least one reported delinquency on any pause-affected loans between January 2020 and June 2020.