Average Credit Score By State - Page 2

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[ARCHIVED THREAD] - Average Credit Score By State (Page 2 of 3)

Posted: 4/13/2017 2:37:31 PM EDT

[#1]

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Quoted:
http://1.bp.blogspot.com/-UL019lrZf2g/U_ZOWYal2zI/AAAAAAAAFgM/JYmr5Sf6Z3M/s1600/Credit%2Bscores%2Bby%2Brace%2Bu.s.%2B2003%2BBAR%2BGRAPH.png
http://2.bp.blogspot.com/-bZ0AgW1Aj-0/U_Yy2QUBbOI/AAAAAAAAFf8/Rg3qZRN9zx4/s1600/Credit%2Bperformance%2Brelative%2Bto%2Binitial%2Bcredit%2Bscore%2Bby%2Brace%2Bu.s.%2B2003%2Bgraph.png

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The chart on the top seems fairly straightforward.....th chart on the bottom

Posted: 4/13/2017 2:37:32 PM EDT

[#2]

id love to see the rim size to credit score ratio ....

Posted: 4/13/2017 2:38:10 PM EDT

[#3]

Yea.... no shit...

Most people on this board have like 3 KAC's SR15's, 2 SR-25's 20k of MK262, 10k of M118LR and a credit score of 750 or higher.

Go be poor somewhere else meme hasn't even shown up.

My credit aint horrible, but they ain't giving me free money either.

I'm willing to guess that student loans have had a measurable effect on many young people's credit score in the last decade or so.

Posted: 4/13/2017 2:43:06 PM EDT

[#4]

Interesting

Posted: 4/13/2017 2:43:21 PM EDT

[#5]

GD and it's credit score fetish...............

Posted: 4/13/2017 2:44:28 PM EDT

[#6]

Whenever my credit score makes me feel bad I just take a look at my enourmous penis and I feel better again.

Posted: 4/13/2017 2:53:27 PM EDT

[#7]

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everyone on here is over 800 I'm pretty sure, we hoard credit scores too

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799

Posted: 4/13/2017 2:54:50 PM EDT

[#8]

Quote History

Quoted:
Yea.... no shit...

Most people on this board have like 3 KAC's SR15's, 2 SR-25's 20k of MK262, 10k of M118LR and a credit score of 750 or higher.

Go be poor somewhere else meme hasn't even shown up.

My credit aint horrible, but they ain't giving me free money either.

I'm willing to guess that student loans have had a measurable effect on many young people's credit score in the last decade or so.

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Demographics play a big part. Not all but a significant portion here are older, probably in peak earning years.... life's major bills are behind them.... All of this adds up to decreasing bills, a house that is nearly paid off, no more college bills or weddings so yeah it's possible to have nice things and a safe full of guns. Don't underestimate the people on this board a lot of them are very successful and have worked hard over the years and now it's time to enjoy.

Posted: 4/13/2017 3:00:08 PM EDT

[#9]

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Quoted:

The chart on the top seems fairly straightforward.....th chart on the bottom

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The bottom one is quite straight forward.

people with bad credit scores, regardless of race, are more likely to default.

So not only are credit scores racist, but they are accurate.

Posted: 4/13/2017 3:02:24 PM EDT

[#10]

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I've been meaning to check my score. What's the best free way to do so?

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credit karma

Posted: 4/13/2017 3:06:21 PM EDT

[#11]

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Quoted:

The bottom one is quite straight forward.

people with bad credit scores, regardless of race, are more likely to default.

So not only are credit scores racist, but they are accurate.

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Got it.....just saw the origin of the y axis...my brain a little slow today

Posted: 4/13/2017 3:07:37 PM EDT

[#12]

Well, I am waaay above average then. I live within my means though.

Posted: 4/13/2017 3:09:46 PM EDT

[#13]

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More like make very poor financial decisions like buying the that jet ski at 9% interest rate At least I don't fall to the avg of my home state.

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"they say money can't buy happiness, but they are F*ing ever been on a F*ing jet ski... You ever see an unhappy F*ing person on a jet skit?"

(in best john rocker voice...)

Posted: 4/13/2017 3:11:49 PM EDT

[#14]

Ha mine isn't even on the scale. Wife was 820 and I was 810.

Losers in GA!

While y'all are ridiculing me, I make >$125k and am 6'3" tall. No debt other than the house. We won't talk about weight! Now, flame on.

Posted: 4/13/2017 3:21:01 PM EDT

[#15]

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Quoted:
Lol the south is poor

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Over 800 here, so not everybody manages their money poorly.

Posted: 4/13/2017 3:25:24 PM EDT

[#16]

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A low credit score isn't a result of being poor. It's a result of being stupid with money/credit which incidentally is often the root cause of being poor.

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When I worked retail the amount of people with shitty credit was about equal between rich and poor people. The only people who seem to really worry about credit scores are the middle class.

Posted: 4/13/2017 3:27:44 PM EDT

[#17]

Quote History

Quoted:
Yea.... no shit...

Most people on this board have like 3 KAC's SR15's, 2 SR-25's 20k of MK262, 10k of M118LR and a credit score of 750 or higher.

Go be poor somewhere else meme hasn't even shown up.

My credit aint horrible, but they ain't giving me free money either.

I'm willing to guess that student loans have had a measurable effect on many young people's credit score in the last decade or so.

View Quote

My SiL decided not to pay back her loans. She wanted to be a stay at home mother and not work but her and her husband divorced. So she simply didn't pay and while working every time she was getting a tax return the .gov took money to pay back the loans. Just the way it was until it was all paid off. Her credit was crap for those years but then, as soon as that stuff was cleared up it was like companies couldn't wait to offer her credit cards, car loans, etc.

Posted: 4/13/2017 3:47:35 PM EDT

[#18]

ARFCOM: Where everyone pays cash for their houses & cars, has 0 credit card debt, and a 900 credit score.

Posted: 4/13/2017 3:54:58 PM EDT

[#19]

Over 800. You're welcome NE.

Posted: 4/13/2017 3:54:59 PM EDT

[#20]

Where did they learn to spell Florid?

Posted: 4/13/2017 3:56:25 PM EDT

[#21]

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Quoted:Lol the south is poor

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Poor credit =/= poor

Not necessarily. There's people that make a whole lot less than me that have better credit.

Posted: 4/13/2017 4:01:46 PM EDT

[#22]

Florida is spelt wrong in that Graph, therefore i don't believe it. #FakeNews

Posted: 4/13/2017 4:02:18 PM EDT

[#23]

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Quoted:
Lol the south is poor

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Demographics my friend. Lol, Detroit is poor.

Posted: 4/13/2017 4:03:19 PM EDT

[#24]

805 here in Joejia.

Posted: 4/13/2017 4:04:42 PM EDT

[#25]

Quote History

Quoted:
A low credit score isn't a result of being poor. It's a result of being stupid with money/credit which incidentally is often the root cause of being poor.

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In 98% of the cases, absolutely....it can also be the result of situations completely out of the control of a person. I had two major illnesses in the family + extended job loss, that'll fuck your shit up even if you are very good with money.

Posted: 4/13/2017 4:05:47 PM EDT

[#26]

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Quoted:
In Texas, buying bro trucks they don't need.
>750 CS here.

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I don't know when those statistics were compiled, but in Texas the downturn in the oil industry caused a bunch of grief for folks who generally had above average credit. Late payments and such.

Posted: 4/13/2017 4:07:14 PM EDT

[#27]

Quote History

Quoted:
http://1.bp.blogspot.com/-UL019lrZf2g/U_ZOWYal2zI/AAAAAAAAFgM/JYmr5Sf6Z3M/s1600/Credit%2Bscores%2Bby%2Brace%2Bu.s.%2B2003%2BBAR%2BGRAPH.png
http://2.bp.blogspot.com/-bZ0AgW1Aj-0/U_Yy2QUBbOI/AAAAAAAAFf8/Rg3qZRN9zx4/s1600/Credit%2Bperformance%2Brelative%2Bto%2Binitial%2Bcredit%2Bscore%2Bby%2Brace%2Bu.s.%2B2003%2Bgraph.png

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So most GDers are Asian? Cool.

Posted: 4/13/2017 4:07:23 PM EDT

[#28]

Just what is "Tier One" credit, for example? It's a FICO of 690-719, according to one Washington state Toyota dealership that posted its credit tiers online. But that's just one brand and one dealership's numbers.

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To qualify for honda's best rates (super-preferred tier), its a 710.

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Posted: 4/13/2017 4:11:27 PM EDT

[#29]

WooHoo
We aren't last

Posted: 4/13/2017 4:14:55 PM EDT

[#30]

Quote History

Quoted:
ARFCOM: Where everyone pays cash for their houses & cars, has 0 credit card debt, and a 900 credit score.

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Actually, paying cash for everything does not really help your score at all. No credit history makes for a bad score.

Posted: 4/13/2017 4:17:18 PM EDT

[#31]

Michigan would be higher if Detroit would get their shit together.

Posted: 4/13/2017 4:17:25 PM EDT

[#32]

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Quoted:
Yeah I wonder. It maybe all the places that finance rims

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Quoted:
Besides being cold: what do The Dakota, Minnesota, and Wisconsin have in common?

Besides being hot: what do Georgia, Mississippi, and Louisiana have in common?

Its time that Experian, Transunion, and Equifax check their privilege.

Yeah I wonder. It maybe all the places that finance rims

I see what you guys did here,

and its RACIST!
funny & true but Racist!!!

Posted: 4/13/2017 4:19:26 PM EDT

[#33]

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lol to a person who thinks a credit score means you're rich or poor.

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Quoted:

Quoted:
Lol the south is poor

lol to a person who thinks a credit score means you're rich or poor.

I bet there is a pretty good correlation to net worth and credit score, overall.

Posted: 4/13/2017 4:23:09 PM EDT

[#34]

Quote History

Quoted:
When I worked retail the amount of people with shitty credit was about equal between rich and poor people. The only people who seem to really worry about credit scores are the middle class.

View Quote View All Quotes

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Quote History

Quoted:

Quoted:
A low credit score isn't a result of being poor. It's a result of being stupid with money/credit which incidentally is often the root cause of being poor.

When I worked retail the amount of people with shitty credit was about equal between rich and poor people. The only people who seem to really worry about credit scores are the middle class.

How did you determine who was rich and who was poor? Just because someone lives like a rich person, doesn't mean they are.

Posted: 4/13/2017 4:28:10 PM EDT

[#35]

Quote History

Quoted:
I've been meaning to check my score. What's the best free way to do so?

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credit karma and credit sesemee both had me about 10 point low vs the score my car dealer pulled 3 weeks ago.

Posted: 4/13/2017 4:28:13 PM EDT

[#36]

Quote History

Quoted:

lol to a person who thinks a credit score means you're rich or poor.

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This. I was with a doctor that I do bookkeeping for that is worth eight figures that I went with to a local Toyota dealer with when he tried to lease a small Toyota pick-up for his yardman, and he was turned down. The payments on the truck were less than 4% of his monthly income, but due to his "bad credit score" he was denied. The system is completely screwed up.z

Posted: 4/13/2017 4:34:27 PM EDT

[#37]

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Quoted:

Average American credit card debt = $16,000. Average American income = $50,000.

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This is the disaster, not credit score competitiin.

Living below your means, saving a lot, paying cash, all will trash your borrowing score.

Posted: 4/13/2017 5:02:07 PM EDT

[#38]

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Quoted:
I'd like to see the median credit score chart. It only takes a few fuckers with absolutely horrible credit to really drag down the overall score.

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This would be a more useful ranking.

Like income medians are a better measure of central tendencies on curtailed distributions.

Posted: 4/13/2017 5:10:15 PM EDT

[#39]

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Quoted:
Lol the south ~~is poor~~ has less debt

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Fixed.

Posted: 4/13/2017 5:21:55 PM EDT

[#40]

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Quoted:
In Texas, buying bro trucks they don't need.
>750 CS here.

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Quoted:
Wtf are people doing to screw themselves that bad?

In Texas, buying bro trucks they don't need.
>750 CS here.

and $15k side by sides
and 15 year notes on a boat

I fully expected Texas to be near the bottom when I opened this thread.

Posted: 4/13/2017 5:25:17 PM EDT

[#41]

Quote History

Quoted:
Real, base FICO only runs to 850. Anything over that is some industry specific thing (up to 900?), not what this average score is based on.

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Overachiever

Posted: 4/13/2017 5:28:24 PM EDT

[#42]

We're at #2 but mine is still higher than the average

That is as long as I stay outta here. The deal threads here are credit card assassins!

Posted: 4/13/2017 5:30:10 PM EDT

[#43]

I have to admit, if I lived down south, I'd have a boat, Jeep and a lot less money most likely

From Nov-March here, I don't buy much or go out much.

Posted: 4/13/2017 5:31:10 PM EDT

[#44]

Credit score:

The ranking for spending other people's money in exchange for your freedom

Posted: 4/13/2017 5:31:17 PM EDT

[#45]

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credit karma

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credit karma

Um, no.

LINK

Notice the ".gov" URL---not ".com".

It matters.

Q: How do I order my free report?
The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.

You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months

A Warning About “Imposter” Websites
Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.

Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.

Posted: 4/13/2017 5:44:39 PM EDT

[#46]

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Yay Mississippi! We're not last! Finally!

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Funny how often how often MS and LA are at the bottom of a list - especially if its health related.

Posted: 4/13/2017 8:05:25 PM EDT

[#47]

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I never would have guessed that GA would be the lowest.

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Dassabunchamufukkinbuuullllllshitttttt

Posted: 4/17/2017 11:16:02 AM EDT

[#48]

I got confirmation back today on a dispute I filed for a student loan on my account... I have never taken out a student loan. KILLED my score as it has never been paid on since 2010.

Credit Companies are the devil when trying to get something removed... But they did delete this one after i filed 3 disputes on it. UGH!

Posted: 4/17/2017 12:43:51 PM EDT

[#49]

We have a state called Florid?

Posted: 4/17/2017 1:03:46 PM EDT

[#50]

Quote History

Quoted:

This is the disaster, not credit score competitiin.

Living below your means, saving a lot, paying cash, all will trash your borrowing score.

View Quote

Or you can use revolving credit and pay cash at the end of the month. Then you can have a pile of cash and credit.

[ARCHIVED THREAD] - Average Credit Score By State (Page 2 of 3)

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