“Consumers with mortgages are doing a great job managing their credit and those with second mortgages are doing even better,” said Ty Taylor, president of Experian Consumer Direct. “Although consumers with mortgages have on average about five times more debt than those without, their average credit score is 713 – compared to 658 for consumers without a mortgage. Additionally, with an average credit score of 739, consumers with second mortgages seem to be keeping their credit in check despite the additional financial responsibility.”