The average FICO credit score across the U.S. has fallen for a second year in a row. The latest statistics from Fair Isaac Corp., or FICO, show that the national average FICO credit score fell to 715 (out of 850 possible points) in August. That’s down from 717 last year and 718 in 2023. FICO says scores are falling due to increased credit card utilization and a rise in missed payments that is…