What is the Average Credit Score By State?

by Sean Bryant on April 19, 2012

Last month 15 out of 19 banks passed the Fed’s stress test showing us that their overall health is improving slightly. Right now however one of the big question that still needs to be asked is how are the average Americans who bailed these banks out managing?

CreditSesame.com, a resource that provides consumers with a free credit score and debt analysis, took the ‘average state credit score analysis’ one step further and looked at the underlying ranges of consumers’ credit scores by state: Credit Score Stress Test.

A state was awarded good credit health if a majority of its residents fell within the good-excellent credit range and poor health if the general population fell within the ‘poor-bad’ credit range.

When all the results were completed 12 states were recognized as Healthy. They were: NY, NJ, CT, MA, VA, IL, MN, SD, CO, CA, OR and WA. There were six states that tested as struggling. These states were WV, AL, MS, LA, AR and WY. According to Credit Sesame, the nationwide credit score average is 668. Below you will find an interactive graphic that will help you see how your state fared in this report.

Make sure you also head over to Credit Sesame and check your credit score for free.

View this interactive on CreditSesame.com


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Sean Bryant

Sean Bryant created OneSmartDollar.com in 2011 to help pass along his knowledge of finance and economics to others. After graduating from the University of Iowa with a degree in economics he worked as a construction superintendent before jumping into the world of finance. Sean has worked on the trade desk for a commodities brokerage firm, he was a project manager for an investment research company and was a CDO analyst at a big bank. That being said he brings a good understanding of the finance field to the One Smart Dollar community. When not working Sean and his wife are avid world travelers. He enjoys spending time with his two kids and dog Charlie.

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