States With the Highest and Lowest Credit Scores

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

Mississippi

Average credit score: 657

Alabama

Average credit score: 662

Louisiana

Average credit score: 664

Related: How You’re Destroying Your Credit Score Without Knowing It

Texas

Average credit score: 669

Georgia

Average credit score: 670

Kentucky

Average credit score: 671

South Carolina

Average credit score: 671

Related: 14 Ways to Improve a Bad Credit Score

Oklahoma

Average credit score: 672

Arkansas

Average credit score: 673

West Virginia

Average credit score: 673

Tennessee

Average credit score: 674

New Mexico

Average credit score: 675

Related: 12 Retirement Dreams That Are Threatened by COVID-19

Florida

Average credit score: 677

Ohio

Average credit score: 677

Indiana

Average credit score: 677

Michigan

Average credit score: 677

North Carolina

Average credit score: 679

Related: Mistakes to Avoid When Loaning Money to Friends and Family

Rhode Island

Average credit score: 683

Arizona

Average credit score: 684

Missouri

Average credit score: 684

Illinois

Average credit score: 686

Maryland

Average credit score: 686

Related: 30 Money Mistakes You’re Probably Making and How to Avoid Them

Delaware

Average credit score: 686

Nevada

Average credit score: 687

Alaska

Average credit score: 687

New Jersey

Average credit score: 689

Related: 26 Tactics for Getting Out of Debt

Maine

Average credit score: 689

Kansas

Average credit score: 689

Wisconsin

Average credit score: 690

New York

Average credit score: 691

Related: Family Money Issues You Don’t Want to Talk About But Really Should

Pennsylvania

Average credit score: 691

Connecticut

Average credit score: 692

Wyoming

Average credit score: 692

California

Average credit score: 692

Related: The Best Ways to Reduce These 13 Monthly Bills and Expenses

Virginia

Average credit score: 695

Utah

Average credit score: 696

Iowa

Average credit score: 700

Idaho

Average credit score: 701

Related: How to Talk to Your Kids About the Financial Realities of the COVID-19 Crisis

Vermont

Average credit score: 701

Colorado

Average credit score: 703

New Hampshire

Average credit score: 703

Related: 14 Situations Where Cash Beats Credit

Nebraska

Average credit score: 704

Massachusetts

Average credit score: 705

Montana

Average credit score: 706

Related: Credit Horror Stories That Will Keep You Up at Night

Oregon

Average credit score: 707

South Dakota

Average credit score: 707

North Dakota

Average credit score: 709

Related: 15 Things That Do Not Affect Your Credit Score

Washington

Average credit score: 709

Hawaii

Average credit score: 709

Minnesota

Average credit score: 720

Related: 21 Ways to Reduce Your Monthly Bills When Money Is Tight