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Posted: 4/13/2017 11:45:58 AM EDT
Average Credit Score By State

Scores range from 300 to 850, the data comes from Experian. The national average ends up being 673, this is kind of shocking to me since my banker seemed to stress the necessity of a 720 credit score to get a loan with the best rate. Obviously, not everyone owns their home, but even in the state with the highest average – Minnesota – the average is only 706.5. Even then, the state ranks a full 7 points ahead of the runner up – Wisconsin.
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Someone has to bring up the rear and for this metric, that someone is the state of Georgia, with an average credit score of 642.
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https://statisticalfuture.org/ranking-all-50-states-by-average-credit-score-of-its-citizens/
Link Posted: 4/13/2017 11:52:08 AM EDT
Lol the south is poor
Link Posted: 4/13/2017 11:53:01 AM EDT
Yay Mississippi!  We're not last!  Finally!
Link Posted: 4/13/2017 11:54:37 AM EDT
Wtf are people doing to screw themselves that bad?
Link Posted: 4/13/2017 11:56:21 AM EDT
I'd like to see the median credit score chart.  It only takes a few fuckers with absolutely horrible credit to really drag down the overall score.
Link Posted: 4/13/2017 12:30:21 PM EDT
A low credit score isn't a result of being poor.  It's a result of being stupid with money/credit which incidentally is often the root cause of being poor.
Link Posted: 4/13/2017 12:33:38 PM EDT
Well now Chrysler/Dodge/Ram knows where to advertise!
Link Posted: 4/13/2017 12:38:15 PM EDT
Besides being cold: what do The Dakota, Minnesota, and Wisconsin have in common?

Besides being hot: what do Georgia, Mississippi, and Louisiana have in common?

Its time that Experian, Transunion, and Equifax check their privilege.
Link Posted: 4/13/2017 12:38:26 PM EDT
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Quoted:
Wtf are people doing to screw themselves that bad?
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In Texas, buying bro trucks they don't need.
>750 CS here.
Link Posted: 4/13/2017 12:39:35 PM EDT
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Quoted:
Well now Chrysler/Dodge/Ram knows where to advertise!
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Nissan figured that out a long time ago.

Commercial:  "The new Maxima for $350 a monff"
Link Posted: 4/13/2017 12:49:23 PM EDT
And that's average? 

Wow

 
Link Posted: 4/13/2017 12:51:37 PM EDT
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Quoted:
Lol the south is poor
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lol to a person who thinks a credit score means you're rich or poor.
Link Posted: 4/13/2017 12:53:37 PM EDT
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Quoted:
Well now Chrysler/Dodge/Ram knows where to advertise!
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Link Posted: 4/13/2017 12:53:38 PM EDT
Credit scores are pretty much a method in which financial institutions can fuck you. 

"Oh, someone looked at your credit score? We better lower your credit score!"
Link Posted: 4/13/2017 12:54:17 PM EDT
Florida's credit score so bad its "a" got Repo'd. 
Link Posted: 4/13/2017 1:02:55 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Besides being cold: what do The Dakota, Minnesota, and Wisconsin have in common?

Besides being hot: what do Georgia, Mississippi, and Louisiana have in common?

Its time that Experian, Transunion, and Equifax check their privilege.
View Quote
Yeah I wonder. It maybe all the places that finance rims
Link Posted: 4/13/2017 1:08:03 PM EDT
Glad to know mine is well above average!!!  Working hard to get it even higher since a new truck sadly is in my future
Link Posted: 4/13/2017 1:09:04 PM EDT
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Quoted:



lol to a person who thinks a credit score means you're rich or poor.
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Agreed but I would venture to say that the % of  0 or low credit millionaires Is not very large.
Link Posted: 4/13/2017 1:12:05 PM EDT
I think median would be a much more useful metric than mean for this experiment.
Link Posted: 4/13/2017 1:13:25 PM EDT
Credit Karma says we are at 821 but my credit union told me more recently that it is 859. The kid said he'd never seen one that high.

All we do is pay our bills and keep no balance on the credit card.
Link Posted: 4/13/2017 1:14:07 PM EDT
I see a trend and it's not geography. 
Link Posted: 4/13/2017 1:15:21 PM EDT
I'm not rich by any means but my score is way higher than anything else on that list.

Link Posted: 4/13/2017 1:16:15 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Credit Karma says we are at 821 but my credit union told me more recently that it is 859. The kid said he'd never seen one that high.

All we do is pay our bills and keep no balance on the credit card.
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Last report said we were at 879.

We do nothing special. Just smart.
Link Posted: 4/13/2017 1:16:51 PM EDT
Everything is bigger in Texas....except the credit scores.  
Link Posted: 4/13/2017 1:39:54 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Wtf are people doing to screw themselves that bad?
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Buy a house (mortgage), buy a car (even with 50% down payment), and have a retarded hospital send an $8 bill to collections within a year and see what happens. 
Link Posted: 4/13/2017 1:41:46 PM EDT
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Quoted:
Last report said we were at 879.

We do nothing special. Just smart.
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Discussion ForumsJump to Quoted PostQuote History
Quoted:
Quoted:
Credit Karma says we are at 821 but my credit union told me more recently that it is 859. The kid said he'd never seen one that high.

All we do is pay our bills and keep no balance on the credit card.
Last report said we were at 879.

We do nothing special. Just smart.
Real, base FICO only runs to 850.  Anything over that is some industry specific thing (up to 900?), not what this average score is based on.
Link Posted: 4/13/2017 1:45:06 PM EDT
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Quoted:
Yay Mississippi!  We're not last!  Finally!
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Hell yea!
Link Posted: 4/13/2017 1:45:38 PM EDT
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Quoted:
I see a trend and it's not geography. 
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Ding,Ding,Ding.
Link Posted: 4/13/2017 1:47:47 PM EDT
Last I checked I was over 800, I don't think I have done anything particularly special or difficult to get that score.  Is it people without established credit that bring the averages down?
Link Posted: 4/13/2017 1:48:38 PM EDT
Given the differences in populations by geography, it would be interesting to see the data cut by race and gender perhaps.
Link Posted: 4/13/2017 1:52:19 PM EDT
Finally I'm above average with something. 

Link Posted: 4/13/2017 1:53:25 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Ding,Ding,Ding.
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Quoted:
Quoted:
I see a trend and it's not geography. 
Ding,Ding,Ding.
Link Posted: 4/13/2017 1:54:32 PM EDT
How else are you going to have a new house, 2 new cars and a boat without maxing your credit?  And everybody needs a vacation, so you might miss a payment now and then.
Link Posted: 4/13/2017 1:54:54 PM EDT
everyone on here is over 800 I'm pretty sure,  we hoard credit scores too
Link Posted: 4/13/2017 1:55:03 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Quoted:
I see a trend and it's not geography. 
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Credit scores are racist.
Link Posted: 4/13/2017 2:00:55 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Yeah I wonder. It maybe all the places that finance rims
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Discussion ForumsJump to Quoted PostQuote History
Quoted:
Quoted:
Besides being cold: what do The Dakota, Minnesota, and Wisconsin have in common?

Besides being hot: what do Georgia, Mississippi, and Louisiana have in common?

Its time that Experian, Transunion, and Equifax check their privilege.
Yeah I wonder. It maybe all the places that finance rims
Nationwide map of Rent and Roll locations.
Attachment Attached File
Link Posted: 4/13/2017 2:02:50 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Quoted:
I see a trend and it's not geography. 
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Posted the day after the start of the War of Civil Union 
Link Posted: 4/13/2017 2:04:28 PM EDT
hard working white populations are smarter with their monies?
Link Posted: 4/13/2017 2:14:03 PM EDT
 Pennsylvania's score would be much higher if I didn't live here.
Link Posted: 4/13/2017 2:14:40 PM EDT
Link Posted: 4/13/2017 2:16:39 PM EDT
I've been meaning to check my score. What's the best free way to do so?
Link Posted: 4/13/2017 2:17:08 PM EDT
Link Posted: 4/13/2017 2:17:32 PM EDT
Link Posted: 4/13/2017 2:18:27 PM EDT
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Quoted:
I never would have guessed that GA would be the lowest.
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Doesn't surprise me at all.  Most folks I know don't have a clue how credit works.
Link Posted: 4/13/2017 2:19:45 PM EDT
Now I know why everything's bigger in Texas.
Link Posted: 4/13/2017 2:20:43 PM EDT
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Quoted:
Lol the south is poor
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More like make very poor financial decisions like buying the that jet ski at 9% interest rate  At least I don't fall to the avg of my home state.
Link Posted: 4/13/2017 2:20:50 PM EDT
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Quoted:
Wtf are people doing to screw themselves that bad?
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Average American credit card debt = $16,000.  Average American income = $50,000.
Link Posted: 4/13/2017 2:26:27 PM EDT
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Quoted:
Lol the south is poor
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We aren't just poor.  We also don't pay our bills when they are due.

It's all Abraham Lincoln's fault.  
Link Posted: 4/13/2017 2:30:53 PM EDT
Damn... I know I'm above average , but by that much? 
Link Posted: 4/13/2017 2:33:10 PM EDT

Link Posted: 4/13/2017 2:35:47 PM EDT
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Quoted:



Average American credit card debt = $16,000.  Average American income = $50,000.
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Holy balls Batman........then again I know people who take lavish vacations and buy new cars regularly and I suspect they are right in that bracket so I'm not surprised
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