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

The Alabama State Capital in Montgomery
iStock

Average credit score: 686

Alaska

skyline photo with the Chugach mountains in Anchorage, Alaska at dusk
Shutterstock

Average credit score for 2020: 714

Arizona

cityscape photo of downtown Mesa, Arizona
iStock

Average credit score for 2020: 706

Arkansas

cityscape photo of Little Rock, Arkansas at sunset
Shutterstock

Average credit score for 2020: 690

California

shops in the downtown area of San Jose, California
Shutterstock

Average credit score for 2020: 716

Colorado

skyline and mountains in Colorado Springs, Colorado at dusk
Shutterstock

Average credit score for 2020: 725

RELATED: This Is How Much Money You Need to Retire in Your State, According to Data.

Connecticut

hartford connecticut skyline
Shutterstock

Average credit score for 2020: 723

Delaware

the Christina River and Brandywine Creek in downtown Wilmington, Delaware
iStock

Average credit score for 2020: 710

District of Columbia

washington monument surrounded by cherry blossoms
Shutterstock

Average credit score for 2020: 713

Florida

cityscape photo of Florida City in Miami, Florida
Brester Irina / Shutterstock

Average credit score for 2020: 701

Georgia

Atlanta Georgia at sunset
Shutterstock

Average credit score for 2020: 689

Hawaii

The skyline of downtown Honolulu, Hawaii during the daytime.
iStock

Average credit score for 2020: 727

Idaho

cityscape photo of Boise, Idaho at sunset
Shutterstock

Average credit score for 2020: 720

Illinois

the downtown area and bean in Chicago, Illinois
Shutterstock

Average credit score for 2020: 716

Indiana

the Monument Circle and downtown area of Indianapolis, Indiana at night
Sean Pavone / Shutterstock

Average credit score for 2020: 707

Iowa

Iowa
Shutterstock

Average credit score for 2020: 726

Kansas

city skyline of Wichita, Kansas at dusk
iStock

Average credit score for 2020: 717

Kentucky

Kentucky Skyline
Shutterstock

Average credit score for 2020: 698

Louisiana

street cars in New Orleans, Louisiana in the afternoon
Shutterstock

Average credit score for 2020: 684

Maine

Lighthouse in Portland, Maine during the evening
Shutterstock

Average credit score for 2020: 721

Maryland

baltimore skyline
iStock

Average credit score for 2020: 712

And for more money-saving tips sent directly to your inbox, sign up for our daily newsletter.

Massachusetts

The skyline of Boston, Massachusetts as seen from the Charles River at sunset
iStock

Average credit score for 2020: 729

Michigan

The skyline of Detroit, Michigan as seen from Lake Michigan
Shutterstock

Average credit score for 2020: 714

Minnesota

cityscape photo of downtown St. Paul, Minnesota at sunset
iStock

Average credit score for 2020: 739

Mississippi

light house in biloxi, mississippi, dusk
Von Sean Pavone / Shutterstock

Average credit score for 2020: 675

Missouri

The skyline of St. Louis, Missouri
iStock

Average credit score for 2020: 707

Montana

cityscape photo of downtown Bozeman, Montana
iStock

Average credit score for 2020: 726

Nebraska

Downtown Omaha skyline with the Gene Leahy Mall in the foreground
iStock

Average credit score for 2020: 728

Nevada

The Strip of Las Vegas, Nevada at night
iStock

Average credit score for 2020: 695

New Hampshire

Etna New Hampshire
Shutterstock

Average credit score for 2020: 729

New Jersey

cityscape photo of buildings in downtown Jersey City, New Jersey
Shutterstock

Average credit score for 2020: 721

New Mexico

cityscape photo of buildings and trees in Albuquerque, New Mexico
Shutterstock

Average credit score for 2020: 694

New York

Brooklyn Bridge Secret Spaces in Landmarks
Shutterstock

Average credit score for 2020: 718

North Carolina

The skyline of Charlotte, North Carolina with fall foliage in the foreground
iStock

Average credit score for 2020: 703

North Dakota

a farm house in medora north dakota
Shutterstock

Average credit score for 2020: 730

Ohio

Downtown Columbus skyline aerial with Alexander Park, Battelle Riverfront Park, Genoa Park, and Scioto River in the foregruond.
iStock

Average credit score for 2020: 711

Oklahoma

bricktown in oklahoma city, river,
Von Sean Pavone / Shutterstock

Average credit score for 2020: 690

Oregon

The skyline of Portland, Oregon at dusk
iStock

Average credit score for 2020: 727

Pennsylvania

Philadelphia
Shutterstock/Sean Pavone

Average credit score for 2020: 720

Rhode Island

The skyline of Providence, Rhode Island from the water at dusk
iStock

Average credit score for 2020: 719

South Dakota

cityscape photo of down Sioux Falls, South Dakota at night
iStock

Average credit score for 2020: 731

Tennessee

cityscape photo of buildings, a highway, and the Sunsphere in Knoxville, Tennessee
Shutterstock

Average credit score for 2020: 697

Texas

street in downtown Laredo, Texas at night
iStock

Average credit score for 2020: 688

Utah

cityscape photo of Center Street and downtown Provo, Utah at dusk
iStock

Average credit score for 2020: 723

Vermont

red farmhouses, orange trees, and rural land in Reading, Vermont at sunrise
Shutterstock

Average credit score for 2020: 731

Virginia

james river skyline, richmond, virginia
Sean Pavone / Shutterstock

Average credit score for 2020: 717

Washington

Shutterstock/Anna Abramskaya

Average credit score for 2020: 730

West Virginia

cityscape photo of Charleston, West Virginia
Shutterstock

Average credit score for 2020: 695

Wisconsin

Wisconsin
Shutterstock

Average credit score for 2020: 732

Wyoming

Panoramic aerial view of Jackson Hole homes and beautiful mountains on a summer morning, Wyoming.
iStock

Average credit score for 2020: 719

RELATED: This Is How Much Money People Make on Average in Your State, Data Shows.

Lauren Gray
Lauren Gray is a New York-based writer, editor, and consultant. Read more
Filed Under