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What Is the Average Credit Score by State?

Reading time: 4 minutes

Highlights:

  • Credit scores are three-digit numbers that show an important piece of your financial history. Credit scores help lenders decide whether to grant you credit.
  • The average credit score in the United States is 698, based on VantageScore® data from February 2021.
  • It's a myth that you only have one credit score. In fact, you have many credit scores.
  • It's a good idea to check your credit scores regularly.

Credit scores are three-digit numbers that show an important piece of your financial history. Credit scores help lenders decide whether to grant you credit.

Credit scores are calculated based on past financial habits. This includes your payment history on credit accounts, the credit you use compared to total credit available and the length of your credit history. It may also include negative financial events such as a bankruptcy.

How do average credit scores compare state by state?

The average credit score in the United States as of February 2021 is 698 based on the VantageScore 3.0 credit score model. Here are the average credit scores, in every state, plus the U.S. territories of Puerto Rico, Guam and the Virgin Islands.

State/
Territory
Average VantageScore
Feb 2021
State/
Territory
Average VantageScore
Feb 2021
Alaska 697 Montana 708
Alabama 671 North Carolina 684
Arkansas 677 North Dakota 715
Arizona 698 Nebraska 715
California 709 New Hampshire 718
Colorado 714 New Jersey 710
Connecticut 710 New Mexico 683
District of Columbia 699 Nevada 681
Delaware 696 New York 712
Florida 689 Ohio 695
Florida 689 Ohio 695
Georgia 674 Oklahoma 675
Guam 681 Oregon 713
Hawaii 716 Pennsylvania 708
Iowa 711 Puerto Rico 689
Idaho 706 Rhode Island 709
Illinois 704 South Carolina 675
Indiana 693 South Dakota 717
Kansas 701 Tennessee 682
Kentucky 680 Texas 674
Louisiana 669 Utah 708
Massachusetts 720 Virginia 700
Maryland 698 Virgin Islands 676
Maine 708 Vermont 721
Michigan 705 Washington 715
Minnesota 724 Wisconsin 717
Missouri 692 West Virginia 679
Mississippi 662    

Why do I have more than one credit score?

It's a myth that you only have one credit score. In fact, you have many credit scores.

There are three nationwide credit reporting agencies (CRAs) — Equifax®, Experian® and TransUnion®. These CRAs use similar but not identical formulas to calculate credit scores. Other credit scoring companies use their own formulas. Credit scoring models generally take the same parts of your borrowing history into account. However, where one model might focus on your payment history, another may focus on your total debts. Differences in focus may result in different credit scores.

What's the difference between a FICO score and a VantageScore?

FICO is a leading analytics company. VantageScore is a collaboration between the three CRAs to provide greater credit score consistency.

FICO scores consider five categories from your credit reports:

 

  • Payment history: 35%
  • Amounts owed: 30%
  • Length of your credit history: 15%
  • New credit accounts: 10%
  • Mix of credit used: 10%

VantageScore models use similar categories but rank them by influence:

  • Payment history: extremely influential
  • Credit utilization: highly influential
  • Length of your credit history and your credit mix: highly influential
  • Amounts owed: moderately influential
  • Recent credit behavior: less influential
  • Available credit: less influential

What is a good credit score range?

Credit scores can generally be grouped as follows:

  • 800 and above: excellent
  • 740 to 799: very good
  • 670 to 739: good
  • 580 to 669: fair
  • 579 and below: poor

Just remember that everyone's financial situation is unique. There's no magic number that will guarantee you better loan rates and terms.

Where can I check my credit scores?

It's a good idea to check your credit scores regularly. You can create a myEquifax account at myequifax.com to get six free Equifax credit reports each year. You can also click “Get my free credit score” on your myEquifax dashboard to enroll in Equifax Core Credit. Equifax Core Credit offers you a free monthly Equifax credit report and a free monthly VantageScore® 3.0 credit score, based on Equifax data. You can also get free weekly Equifax credit reports through April 2022 at www.annualcreditreport.com.

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