Credit scores affect almost every aspect of your life. It's used when you apply for a mortgage, a car loan, and a credit card. Even landlords and cell phone companies take your credit into consideration when you're getting approved. How does your credit score stack up against the people in your state? What about the country? Let's take a look at the data.

The average credit score across the entire United States was 675 in 2017, according to Experian's 2017 State of Credit Study.

The data is based on the VantageScore 3.0, which generates credit scores on a range from 300 to 850.

It's pretty well known that higher credit scores are better, but breaking down the credit score into brackets brings more clarity to specific credit score numbers.

VantageScore Rating Categories

• 781 - 850: Super prime
• 661 - 780: Prime
• 601 - 660: Near Prime
• 500 - 600: Subprime
• 300 - 499: Deep subprime

States With the Highest and Lowest Average Credit Scores

Minnesota has the highest average credit score at 709. Mississippi has the lowest average credit score at 647.

The rest of the top 10 states with the highest average credit score are: Vermont (702), New Hampshire (701), South Dakota (700), Massachusetts (699), North Dakota (697), Wisconsin (696), Iowa (695), Nebraska (695), Hawaii (693). These credit scores are all considered Prime on the VantageScore scale. Consumers with Prime credit scores often have an easier time getting approved for credit and will receive more favorable terms when they're approved.

As for the other 9 states with the lowest average credit scores: Louisiana (650), Georgia (654), Alabama (654), Nevada (655), Texas (656), Oklahoma (656), South Carolina (657), Arkansas (657), and West Virginia (658). On the VantageScore scale, these credit scores are considered Near Prime. It may be more difficult to get approved for credit and higher interest rates are more likely.

Does geography play a role in credit scores? It may seem so based on the data. Seven of the top 10 states with highest average credit score are in the upper Midwest while 9 of the 10 states with the lowest average credit score are located in the Southeast.

Of course, while your address is included in your credit report, it isn't a factor in your credit score. Only information directly related to your borrowing and payment habits is included in your credit score. Payment history is the most influential factor in the VantageScore calculation. It's also 35% of your FICO score. Age and types of credit used and percent of credit limit uses are highly influential in the VantageScore. Total balances and debt are moderately influential. The least influential factors are Recent credit behavior and inquiries and available credit.

State	Average VantageScore
Alabama	654
Alaska	668
Arizona	669
Arkansas	657
California	680
Colorado	688
Connecticut	690
District of Columbia	670
Delaware	672
Florida	668
Georgia	654
Hawaii	693
Idaho	681
Illinois	683
Indiana	667
Iowa	695
Kansas	680
Kentucky	663
Louisiana	650
Maine	689
Maryland	672
Massachusetts	699
Michigan	677
Minnesota	709
Mississippi	647
Missouri	675
Montana	689
Nebraska	695
Nevada	655
New Hampshire	701
New Jersey	686
New Mexico	659
New York	688
North Carolina	686
North Dakota	697
Ohio	678
Oklahoma	656
Oregon	688
Pennsylvania	687
Rhode Island	687
South Carolina	657
South Dakota	700
Tennessee	662
Utah	683
Virginia	680
Vermont	702
Washington	693
West Virgina	658
Wisconsion	696
Wyoming	678
Source: Experian

Tips for Improving Your Credit Score

You can work toward improving your credit score no matter where you live. Since payment history is the biggest factor influencing your credit score, paying your bills on time is the best thing you can do to improve your credit score. Catch up on past due accounts and take care of debt collections.

Minimize the amount of credit you're using. Having high credit card balances will also bring your credit score down. While it's easier on the budget to pay just the minimum on your credit cards each month, that's not the best thing for your credit. Work on paying down your credit card balances to below 30% of the credit limit. The lower the better. Maintaining extremely low credit cards balances will help boost your credit score.

Apply for new credit only as needed.

While each new credit card will ding your credit a little, the real harm in opening several credit cards is the risk of running up large balances and missing payments. Minimize the number of credit cards you apply for.

Monitor your credit score using a free credit scoring service like Credit Karma, Credit Sesame, or WalletHub. You can stay up to date on changes to your credit score and learn the factors influencing your credit score. You should also review your full credit report each year by going to AnnualCreditReport.com. Check your credit report to be sure all the information is accurate and dispute any errors with the credit bureaus. A healthy, accurate credit report is also key to improving your credit score.