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Credit Trends
Our lives are full of numbers: Phone numbers, social security numbers, birthday dates, lottery numbers, lucky numbers... the list goes on. But, no number says more about us than our old favorite, the credit score.
Our credit scores speaks of our creditworthiness, gives potential lenders a peek into our credit history and even predicts our financial future. However, recent correlations have been drawn between credit scores and other factors... saying more about us than we'd ever imagined. Here are a few examples:
According to the Insurance Information Institute, drivers with lower credit scores file 40% more claims than drivers at the higher end of the credit scale.
Forget "red" state, "blue" state... certain states also have higher credit scores than others. The Dakotas and Wisconsin lead the country while Texas and Nevada have the lowest average credit scores.
We found another intriguing credit score correlation, email address domains. Based on a sample of over 400,000 credit scores, our data shows that there is a difference of average scores based on what email service users prefer. Interestingly, BellSouth users came out the top with a higher average, while AOL and Yahoo users had the lowest average credit scores.
What does it all mean? Not much. Certainly switching email providers will not increase or decrease your credit score. It's more the case that people with a certain score have a greater likeliness to use a particular email provider. Why this happens is probably due to some demographic skew which then carries to the email domain. But that's not the point, we just thought it was interesting.
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75 Total CommentsComment On This Article
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Gmail targets savvy users. I guess people that are computer savvy are also credit savvy.
barbarasabat 3 years ago
Gmail is encrypted and includes a full compliment of high-performing google docs office suite programs. All are easy to use, in the cloud, and have the google IT genius behind the scenes - with constant improvements and add-ons. Gmail also features non-obnoxious and actually useful discreet ads that are interesting and relevant - rather than blaring in your face graphics. Spam is at a bare minimum - if at all - with the great gmail spam filters. I cringe when I see people on emails such as AOL, comcast, hotmail... My current score: 802. (PS: I do not work for google - I am just a raving gmail fan.)
PatCrosby 8 months ago
I agreed with everything you said until I got to the part about spam. Unfortunately I can't agree there, i'm CONSTANTLY getting spam, roughly 40-50 pieces of spam mail a day. Granted, it all goes into the SPAM folder..but I'm still getting it. With the spam aside, i love Gmail too, hehe.
Brittw10 1 week ago
What does that say about Yahoo?
flip102982 3 years ago
Yahoo probably has a lot of younger folks.
vantran04 3 years ago
yeah the first thing i thought was age as the likely correlate. who uses bell south??
mingzilla 4 weeks ago
Bellsouth is AT&T
soccerjoker100 3 weeks ago
I have yahoo and have an excellent credit score. Not everyone on yahoo is low.
Reesa 3 years ago
This is absolutely understood. This is just a fun way to look at data.
CK Moderator
Me too this is my email address and I am not interested in changing it. I have used it also for job contacts ( another disposable email yahoo address) so I am not changing it. When I said " Me too" I meant I also have a good credit score.
wtchywoman 5 months ago
I have been using gmail for a while... it used to be kind of an exclusive club and for a while was invitation only. So it makes sense that it is high because there is still a high percentage of well connected people who use gmail, and well connected people I have found have great credit. Anyways my credit karma score is 773 but I think it is worth noting that my equifax is 805, and I turn 23 in a few months. I don't think there is much significance between the top 3 a difference of only 8 points while yahoo is a good 16 points behind the closest and about 40 from the top. Yahoo is for yahoos they attract a less sophisticated crowd.
multiplexgur 3 years ago
I have multiple email accounts from each provider except for Comcast and Aol...
This study is pointless...
Also... I use all these email account daily and at the same rate just for different purposes ;)
Cailenei 4 months ago
Grow up people Even the best of the best can find their self in trouble and to brag and judge on such a thing shame on you all! Besides
The true sophisticated crowd are not even reading this kind of ssss hit lol get it!
bwac 2 months ago
Some people got yahoo accounts when it first came out , and have not bothered changing it. I have both gmail and yahoo but I prefer the features on yahoo better than gmail and I have a great score.
Asyouwish 1 week ago
I had a Chapter 7 bankruptcy 4 years ago due to a messy child custody suit and the debt incurred therefrom. I am absolutely amazed a how quickly my credit has come back and would like to pass this info along so that others like me don't give up hope. There is light at the end of the tunnel!
imayankee 3 years ago
Yahoo and AOL have been around the longest. I use Yahoo because my personal e-mail has been through them for about 14 years. Others who first set up e-mail my have stuck with Yahoo - including older folks who don't have or don't use credit as often.
kalbertk 2 years ago
Interesting correlation - It would be interesting to see additional differences between Gmail and Yahoo/AOL users.
jennesy 2 years ago
Interesting analysis since i recently switched from Comcast and i am sure the score would have been the same . the score was fair
baileydamion 2 years ago
Well, I am 19 and I had a score that hovered around 730 until I took out a personal loan to pay for a vehicle. But, after only two payments on the vehicle my score has already recovered 10 points so I hope it continues to do so. I am personally a yahoo user and I also think this is an interesting study. Makes me want to sign up for a GMail account :P
mmetzroth 2 years ago