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Best and Worst Credit Scores by State

Written by Janet Dedrick on February 7, 2013 in Credit  |   2 comments

As of the end of 2012, the average national credit score was 696, but the average score in some states was either far below or well above that number. If you live in Vermont or North Dakota, you’ll need a high credit score to keep…

best-credit-scoresAs of the end of 2012, the average national credit score was 696, but the average score in some states was either far below or well above that number.

If you live in Vermont or North Dakota, you’ll need a high credit score to keep up with your neighbors. These states are tied with the highest average score of 721—a score that is equated with some of the least-risky borrowers.

According to Equifax Credit Trends data, the rest of the states with the top ten average credit scores are varied and include Midwestern states Wisconsin, Minnesota, and Nebraska; Western states Montana and South Dakota; Northeastern states Massachusetts and Connecticut; and America’s only island state, Hawaii.

On the flip side, if you live in the South, chances are you’re living in one of the states with the lowest credit scores, bottoming out in Mississippi with an average score of 661. The rest of the states with the bottom ten average credit scores are in the South as well, with the exception of both Oklahoma and Nevada.

While there’s a 60-point difference between the lowest and highest average credit scores, both numbers typically qualify as prime scores—although 720 is much more attractive to a lender than 660.

These numbers are also always in flux. The U.S. is no longer in a recession, and in the past four years, credit scores have inched upward overall by a little more than four points. Of all the states, Texas saw the largest increase in its average credit score, from about 667 to 674, followed by South Dakota and Connecticut, which each had similar seven-point gains.
But the place in the U.S. with the largest increase isn’t a state at all: Puerto Rico saw a more than 13-point difference from what was previously one of the lowest scores—658—up to 671.

Almost all of the states show increases in scores ranging from about one to seven points. New Jersey was the only state where credit scores dropped over the past four years—but just by 0.18 of a point.

Find out where your state ranks among the nation, and then find out where you fall in your state by checking your own credit score.

Vermont 721
North Dakota 721
Wisconsin 720
Minnesota 720
South Dakota 718
Hawaii 718
Nebraska 717
New Hampshire 715
Montana 715
Massachusetts 714
Iowa 714
Connecticut 713
Washington 713
Colorado 713
Maine 712
Wyoming 711
Utah 710
Oregon 709
Pennsylvania 709
Kansas 708
New Jersey 708
Idaho 705
Alaska 705
New York 704
Rhode Island 704
Illinois 703
California 701
Virginia 701
Ohio 699
Michigan 697
Indiana 697
Missouri 696
Maryland 696
United States 696
Delaware 694
Arizona 691
District Of Columbia 689
West Virginia 689
Kentucky 688
North Carolina 685
New Mexico 683
Arkansas 683
Florida 683
Tennessee 682
Oklahoma 681
Nevada 677
Alabama 675
Texas 674
Puerto Rico 671
South Carolina 671
Louisiana 669
Georgia 667
Mississippi 661

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. Russ says:

    Are credit scores calculated differently in Puerto Rico than the rest of the US?

  2. Greg says:

    where does this article show best and worst credit scores by state as the headline explicitly states? I only see state average.

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