The average credit score in the U.S. is 701, based on the VantageScore model. That puts the average American at the bottom of the good credit range, which starts at 700. The score to ultimately strive for is at least 750, which marks the beginning of the excellent credit range. Residents of some states are already close to that goal, on average, while others have more room for improvement.
States with the Highest Average Credit Scores
- Minnesota (726)
- New Hampshire (723)
- Vermont (722)
- Wisconsin (720)
- South Dakota (718)
To determine the states with the highest and lowest credit scores, WalletHub compared the average credit scores of residents in each of the 50 states as of October 2024, based on TransUnion data. Read on for the results, commentary from a panel of experts and a full description of our methodology.
