State by State: Where People Have the Highest and Lowest Credit Scores

credit report
Casper1774 Studio /

A low credit score can keep us from getting loans, credit cards, and maybe even apartments and jobs. That little three-digit number can make or break us financially.

Recently a website called LendEDU took a state-by-state look at credit scores. The idea, according to writer Andrew Rombach, was “to see which states’ residents were doing well financially and (note the) difference between the top-performing states compared to the rest of the country.”

In this study, LendEDU determined the national average credit score to be 682. That number and the state-by-state average scores were calculated based not on Fair Isaac Corporation (FICO) data, but with material from the VantageScore system. This scoring model, jointly created and owned by the three major credit reporting bureaus, requires only one month of credit history and uses fewer updates than FICO does.

VantageScore ignores bills that were once sent to collections but have since been paid off. Unlike FICO, the system takes into consideration rental- and utility-payment histories — a boon to those who have never used credit. Thus this particular credit snapshot likely provides a better indicator of financial health

Admit it: You’re dying to know where your state stands. This ranking starts with the top-scoring state, and proceeds to the worst.

Read Next
The 5 Most Expensive U.S. States for Retirees
The 5 Most Expensive U.S. States for Retirees

If you have or expect to have a modest retirement income, you may want to avoid spending your golden years here.

13 Smart Tricks to Organize Every Room of Your Home
13 Smart Tricks to Organize Every Room of Your Home

Get your household organized with these brilliant and inexpensive tricks.

14 Products That Keep Foods Fresh Longer
14 Products That Keep Foods Fresh Longer

We’ve rounded up innovative Amazon purchases to lengthen the life of your favorite foods and beverages.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started


Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.

Trending Stories