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bryantn
Member since: March 2009
Total Contributions: 1
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Credit Scores By State
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(1 Total Contributions)Credit Scores By State
Your credit score does not represent your level of responsibility with money...it represents your level of responsibility with DEBT.
Most of the states with higher average scores also have higher costs of living, and the associated level of indebtedness that goes with that, this includes of course, higher credit limits and in turn, more variety in balance to limit ratios, as well as much more depth in personal credit history where people have had and paid off larger numbers of loans and credit cards.
In rural states there are still many people who have little to no credit history, people who still pay their bills primarily by cash or check and don't make use of credit cards at all. Because they have very brief credit histories, naturally their credit scores will be lower.
Remember, a credit score simply tells a lender how likely you are to pay your bill on time...it says nothing about how you manage your money outside of those constraints.
Comment posted 2 years ago
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Your credit score does not represent your level of responsibility with money...it represents your level of responsibility with DEBT.
Most of the states with higher average scores also have higher costs of living, and the associated level of indebtedness that goes with that, this includes of course, higher credit limits and in turn, more variety in balance to limit ratios, as well as much more depth in personal credit history where people have had and paid off larger numbers of loans and credit cards.
In rural states there are still many people who have little to no credit history, people who still pay their bills primarily by cash or check and don't make use of credit cards at all. Because they have very brief credit histories, naturally their credit scores will be lower.
Remember, a credit score simply tells a lender how likely you are to pay your bill on time...it says nothing about how you manage your money outside of those constraints.
Comment posted 2 years ago