This Is the Average Credit Score in Your State, According to Data
Does your personal credit score beat your state's average?
Having a good credit score, also known as a FICO score, can make or break your finances. It can tip the scales in your favor so that you get that essential loan, land the home of your dreams, or get your hands on credit cards with the best rewards and interest rates. In fact, CNBC reports that your credit score factors into 90 percent of lending decisions, meaning keeping yours in tip-top shape should be among your financial priorities. Yet just a few missed payments here and there can begin to tank your credit score without you even realizing it. Suddenly, your negotiating power starts slipping—and financial doors are closing.
The good news? According to Experian's 2020 Consumer Credit Review, credit scores rose throughout all 50 states last year, bringing the nation's average FICO score up to a record-high 710. This places the average American in the "good" range of credit (for reference, 300-579 is considered "very poor," 580-669 is "poor," 670-739 is "good," 740-799 is "very good," and 800-850 is "excellent). Of course, the average score varies greatly state to state, and how you compare to your local peers will matter more when competing for a lease or loan. Read on to find out the average credit score in your state, according to Experian, so you can see where your finances really stand.
RELATED: This Is How Much Money Makes You Middle Class in Your State, Data Shows.
Alabama
Average credit score: 686
Alaska
Average credit score for 2020: 714
Arizona
Average credit score for 2020: 706
Arkansas
Average credit score for 2020: 690
California
Average credit score for 2020: 716
Colorado
Average credit score for 2020: 725
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Connecticut
Average credit score for 2020: 723
Delaware
Average credit score for 2020: 710
District of Columbia
Average credit score for 2020: 713
Florida
Average credit score for 2020: 701
Georgia
Average credit score for 2020: 689
Hawaii
Average credit score for 2020: 727
Idaho
Average credit score for 2020: 720
Illinois
Average credit score for 2020: 716
Indiana
Average credit score for 2020: 707
Iowa
Average credit score for 2020: 726
Kansas
Average credit score for 2020: 717
Kentucky
Average credit score for 2020: 698
Louisiana
Average credit score for 2020: 684
Maine
Average credit score for 2020: 721
Maryland
Average credit score for 2020: 712
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Massachusetts
Average credit score for 2020: 729
Michigan
Average credit score for 2020: 714
Minnesota
Average credit score for 2020: 739
Mississippi
Average credit score for 2020: 675
Missouri
Average credit score for 2020: 707
Montana
Average credit score for 2020: 726
Nebraska
Average credit score for 2020: 728
Nevada
Average credit score for 2020: 695
New Hampshire
Average credit score for 2020: 729
New Jersey
Average credit score for 2020: 721
New Mexico
Average credit score for 2020: 694
New York
Average credit score for 2020: 718
North Carolina
Average credit score for 2020: 703
North Dakota
Average credit score for 2020: 730
Ohio
Average credit score for 2020: 711
Oklahoma
Average credit score for 2020: 690
Oregon
Average credit score for 2020: 727
Pennsylvania
Average credit score for 2020: 720
Rhode Island
Average credit score for 2020: 719
South Dakota
Average credit score for 2020: 731
Tennessee
Average credit score for 2020: 697
Texas
Average credit score for 2020: 688
Utah
Average credit score for 2020: 723
Vermont
Average credit score for 2020: 731
Virginia
Average credit score for 2020: 717
Washington
Average credit score for 2020: 730
West Virginia
Average credit score for 2020: 695
Wisconsin
Average credit score for 2020: 732
Wyoming
Average credit score for 2020: 719
RELATED: This Is How Much Money People Make on Average in Your State, Data Shows.
