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States With the Highest and Lowest Credit Scores

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Score Wars

This year has been a rocky one for the wallet, with a coronavirus-fueled economic downturn that put millions of Americans out of work practically overnight. Struggling to make ends meet, many Americans have resorted to using credit cards and other forms of debt simply to cover everyday living expenses. Against this backdrop, WalletHub has released a ranking of the states by average credit score, using TransUnion data of scores compiled from residents in September of this year. (The average person's score is 680, which is below what's considered good. "The number to strive for is at least 750, which marks the beginning of the excellent credit range," WalletHub says — but none of our states attain it.) Read on to find out where your state lands in the pack, which is ranked worst to best.

Related: 20 Things You Can't Do With a Low Credit Score

Gulfport, Mississippi
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Mississippi

Average credit score: 657

Huntsville, Alabama
Sean Pavone / iStock

Alabama

Average credit score: 662

Louisiana
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Dallas
iStock/f11photo

Texas

Average credit score: 669

Atlanta
Sean Pavone/shutterstock

Georgia

Average credit score: 670

Louisville, Kentucky
Davel5957/istockphoto

Kentucky

Average credit score: 671

South Carolina
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Oklahoma City, Oklahoma
Majestic_Aerials/istockphoto

Oklahoma

Average credit score: 672

Hot Springs, Arkansas
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Arkansas

Average credit score: 673

Charleston, West Virginia
Sean Pavone/istockphoto

West Virginia

Average credit score: 673

Nashville, Tennessee
DenisTangneyJr/istockphoto

Tennessee

Average credit score: 674

Now: Santa Fe, New Mexico
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 Sebring, Florida
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Florida

Average credit score: 677

Ohio
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Ohio

Average credit score: 677

Indianapolis
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Indiana

Average credit score: 677

Detroit
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Michigan

Average credit score: 677

Asheville, North Carolina
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Rhode Island
SeanPavonePhoto/istockphoto

Rhode Island

Average credit score: 683

Arizona
Davel5957/istockphoto

Arizona

Average credit score: 684

Missouri
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Missouri

Average credit score: 684

Chicago
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Illinois

Average credit score: 686

Baltimore
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Wilmington, Delaware
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Delaware

Average credit score: 686

Nevada
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Nevada

Average credit score: 687

Fairbanks, Alaska
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Alaska

Average credit score: 687

Jersey City, New Jersey
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Rockport, Maine
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Maine

Average credit score: 689

Manhattan, Kansas
DenisTangneyJr/istockphoto

Kansas

Average credit score: 689

Wisconsin
Davel5957/istockphoto

Wisconsin

Average credit score: 690

New York
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Pittsburgh, Pennsylvania
HaizhanZheng/istockphoto

Pennsylvania

Average credit score: 691

Connecticut
pabradyphoto/istockphoto

Connecticut

Average credit score: 692

Cheyenne, Wyoming
Davel5957/istockphoto

Wyoming

Average credit score: 692

San Francisco
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Virginia Beach, Virginia
DenisTangneyJr/istockphoto

Virginia

Average credit score: 695

Ogden, Utah
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Utah

Average credit score: 696

Iowa
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Iowa

Average credit score: 700

Worst: Boise, Idaho
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Vermont
Sean Pavone/istockphoto

Vermont

Average credit score: 701

Colorado Springs, Colorado
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Colorado

Average credit score: 703

New Hampshire
DenisTangneyJr/istockphoto
Omaha, Nebraska
Davel5957/istockphoto

Nebraska

Average credit score: 704

Massachusetts
Rsphotograph/shutterstock

Massachusetts

Average credit score: 705

Billings, Montana
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Portland, Oregon
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Oregon

Average credit score: 707

Rapid City, South Dakota
DenisTangneyJr/istockphoto

South Dakota

Average credit score: 707

North Dakota
DenisTangneyJr/istockphoto
Seattle
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Washington

Average credit score: 709

Hawaii
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Hawaii

Average credit score: 709

Minnesota
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