The Average Credit Score By State

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Your credit score affects almost every aspect of your life. It's used when you apply for a mortgage, a car loan, or a credit card. Even landlords and cellphone 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? 

The average credit score across the entire United States was 711 as of October of 2020, according to Experian's State of Credit Study. The data is based on the FICO scores, which generates credit scores on a range from 300 to 850.

While higher credit scores are obviously better, breaking down the credit score into brackets brings more clarity to specific credit score numbers.

VantageScore Rating Categories

  • 800 - 850: Exceptional
  • 740-779: Very Good
  • 670-739: Good
  • 580-669: Fair
  • 300-579: Very poor

State Averages

Minnesota has the highest average credit score at 739. Mississippi has the lowest average credit score at 675.

The rest of the top 10 states with the highest average credit score are: Wisconsin (732), Vermont (732), Washington (731) South Dakota (731), North Dakota (730), New Hampshire (730), Massachusetts (729), Nebraska (728), and Oregon (727).

These credit scores are all considered prime or near prime on the FICO 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.

The other 9 states with the lowest average credit scores are Louisiana (685), Alabama (687), Texas (688), Georgia (689), Arkansas (690), Oklahoma (690), South Carolina (690), New Mexico (694) and West Virginia (695).

Only information directly related to your borrowing and payment habits is included in your credit score. Payment history is 35 percent of your FICO score.

State Average FICO Score
Alabama 687
Alaska 714
Arizona 706
Arkansas 690
California 717
Colorado 725
Connecticut 723
District of Columbia 713
Delaware 710
Florida 702
Georgia 689
Hawaii 727
Idaho 721
Illinois 716
Indiana 708
Iowa 726
Kansas 718
Kentucky 699
Louisiana 685
Maine 722
Maryland 713
Massachusetts 729
Michigan 715
Minnesota 739
Mississippi 675
Missouri 707
Montana 727
Nebraska 728
Nevada 696
New Hampshire 730
New Jersey 721
New Mexico 694
New York 719
North Carolina 704
North Dakota 730
Ohio 712
Oklahoma 690
Oregon 727
Pennsylvania 720
Rhode Island 720
South Carolina 690
South Dakota 731
Tennessee 697
Texas 688
Utah 723
Vermont 732
Virginia 718
Washington 731
West Virginia 695
Wisconsin 732
Wyoming 719
Source: Experian

Experian also charted information based on generation, which is helpful to show how those from different generations are compiling debt. The Silent Generation encompasses those born between 1925 and 1945, while Baby Boomers were born between 1946 and 1964, Generation X from 1965 to 1979, Generation Y from 1980 to 1994, and Generation Z from 1995 to 2012.

Another way to look at it is that generations X and Y include those aged 24 to 53, or those in their prime working years. The oldest members of Generation Z are just joining the workforce, while the youngest Baby Boomers are nearing retirement, and the Silent Generation is retired for the most part.

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 also will bring down your credit score. 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 percent of the credit limit. The lower the better. Maintaining extremely low credit card balances will help boost your credit score. This shows lenders that you can handle credit responsibly and not allow it to get out of control.

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 also should review your full credit report each year at Check your credit report to be sure all the information is accurate and dispute any errors with the credit bureaus. An accurate credit report is also key to improving your credit score.

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