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States with the best and worst credit scores

  • Natee Meepian // Shutterstock
    1/ Natee Meepian // Shutterstock

    States with the best and worst credit scores

    Whether one is opening a new credit card or buying a house, a big financial decision requires checking one’s credit score. This score, rated on a point system from 300 to 850, is compiled by banks, credit card companies, and other lenders by analyzing an individual’s history of borrowing money and repaying their debts. But it’s not just useful for banks and credit cards; calculating one’s credit score can help them discover how trustworthy they appear to lenders, and how well they’re meeting their financial goals.

    In a recent WalletHub report, experts analyzed U.S. credit score averages across a variety of demographics, including year, age, and income. In this article, Stacker looks at the geographic picture: Where in the country are Americans the best at paying their debts?

    Using WalletHub’s data, Stacker ranked all 50 states, plus the District of Columbia, by the average credit scores of its inhabitants. Most state averages are in the 650 to 700 range, which Experian classifies as “good” or “very good.” Many of the best scores are clustered in the Midwest while some of the worst are clustered in the South.

    Read on to see which state came out on top, and to find out how you compare to your state’s average.

    RELATED: Cities with the best and worst credit scores

  • GoodFreePhotos
    2/ GoodFreePhotos

    #30. Mississippi

    Average credit score: 642

  • PxHere
    3/ PxHere

    #29. Georgia (tie)

    Average credit score: 648

  • Max Pixel
    4/ Max Pixel

    #29. Alabama (tie)

    Average credit score: 648

  • GoodFreePhotos
    5/ GoodFreePhotos

    #28. Nevada (tie)

    Average credit score: 649

  • Pxhere
    6/ Pxhere

    #28. Louisiana (tie)

    Average credit score: 649

  • Max Pixel
    7/ Max Pixel

    #27. South Carolina

    Average credit score: 652

  • Wikipedia
    8/ Wikipedia

    #26. Arkansas

    Average credit score: 653

  • Max Pixel
    9/ Max Pixel

    #25. Texas

    Average credit score: 654

  • GoodFreePhotos
    10/ GoodFreePhotos

    #24. Tennessee (tie)

    Average credit score: 657

  • Thomas Shahan // Wikicommons
    11/ Thomas Shahan // Wikicommons

    #24. New Mexico (tie)

    Average credit score: 657

  • Max Pixel
    12/ Max Pixel

    #24. Kentucky (tie)

    Average credit score: 657

  • MaxPixel
    13/ MaxPixel

    #23. Oklahoma

    Average credit score: 658

  • GoodFreePhotos
    14/ GoodFreePhotos

    #22. West Virginia (tie)

    Average credit score: 659

  • Max Pixel
    15/ Max Pixel

    #22. Indiana (tie)

    Average credit score: 659

  • Public Domain Pictures
    16/ Public Domain Pictures

    #21. North Carolina (tie)

    Average credit score: 661

  • IIP Photo Archive // Flickr
    17/ IIP Photo Archive // Flickr

    #21. Delaware (tie)

    Average credit score: 661

  • GoodFreePhotos
    18/ GoodFreePhotos

    #20. Maryland (tie)

    Average credit score: 664

  • Nicolas Raymond // Flickr
    19/ Nicolas Raymond // Flickr

    #20. District of Columbia (tie)

    Average credit score: 664

  • Max Pixel
    20/ Max Pixel

    #19. Florida

    Average credit score: 665

  • Max Pixel
    21/ Max Pixel

    #18. Ohio (tie)

    Average credit score: 666

  • GoodFreePhotos
    22/ GoodFreePhotos

    #18. Arizona (tie)

    Average credit score: 666

  • Brian Charles Watson // Wikicommons
    23/ Brian Charles Watson // Wikicommons

    #17. Michigan

    Average credit score: 667

  • Pixabay
    24/ Pixabay

    #16. Missouri

    Average credit score: 669

  • Public Domain Pictures
    25/ Public Domain Pictures

    #15. Rhode Island (tie)

    Average credit score: 670

  • Jubileejourney // Wikicommons
    26/ Jubileejourney // Wikicommons

    #15. Maine (tie)

    Average credit score: 670

  • Max Pixel
    27/ Max Pixel

    #15. Alaska (tie)

    Average credit score: 670

  • GoodFreePhotos
    28/ GoodFreePhotos

    #14. New Jersey (tie)

    Average credit score: 671

  • GoodFreePhotos
    29/ GoodFreePhotos

    #14. Illinois (tie)

    Average credit score: 671

  • Larry Johnson // Wikimedia Commons
    30/ Larry Johnson // Wikimedia Commons

    #13. Wyoming (tie)

    Average credit score: 673

  • Doug Kerr // Flickr
    31/ Doug Kerr // Flickr

    #13. Kansas (tie)

    Average credit score: 673

  • Jschnalzer // Wikimedia Commons
    32/ Jschnalzer // Wikimedia Commons

    #12. Pennsylvania (tie)

    Average credit score: 675

  • Pixabay
    33/ Pixabay

    #12. Connecticut (tie)

    Average credit score: 675

  • Pixabay
    34/ Pixabay

    #11. Virginia

    Average credit score: 676

  • Ken Lund // Flickr
    35/ Ken Lund // Flickr

    #10. Utah (tie)

    Average credit score: 677

  • Max Pixel
    36/ Max Pixel

    #10. California (tie)

    Average credit score: 677

  • GoodFreePhotos
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    #9. Wisconsin (tie)

    Average credit score: 680

  • Pixabay
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    #9. New York (tie)

    Average credit score: 680

  • Max Pixel
    39/ Max Pixel

    #9. Iowa (tie)

    Average credit score: 680

  • Wikipedia
    40/ Wikipedia

    #8. Idaho

    Average credit score: 681

  • Pixabay
    41/ Pixabay

    #7. Colorado

    Average credit score: 683

  • Roman Eugeniusz // Wikimedia Commons
    42/ Roman Eugeniusz // Wikimedia Commons

    #6. Washington (tie)

    Average credit score: 685

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    #6. Vermont (tie)

    Average credit score: 685

  • Pixabay
    44/ Pixabay

    #6. Oregon (tie)

    Average credit score: 686

  • Max Pixel
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    #6. Massachusetts (tie)

    Average credit score: 685

  • Pixabay
    46/ Pixabay

    #5. New Hampshire (tie)

    Average credit score: 686

  • Wikipedia
    47/ Wikipedia

    #5. Montana (tie)

    Average credit score: 686

  • Pixabay
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    #4. Nebraska

    Average credit score: 688

  • GoodFreePhotos
    49/ GoodFreePhotos

    #3. South Dakota

    Average credit score: 695

  • USFWS Mountain-Prairie // Flickr
    50/ USFWS Mountain-Prairie // Flickr

    #2. North Dakota (tie)

    Average credit score: 701

  • Anthony Quintano // Flickr
    51/ Anthony Quintano // Flickr

    #2. Hawaii (tie)

    Average credit score: 701

  • Pixabay
    52/ Pixabay

    #1. Minnesota

    Average credit score: 702

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