Credit Trends

Trends by Domain

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 20,000 credit scores, our data shows that there is a difference of average scores based on what email service users prefer. Interestingly, Gmail and Comcast 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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Gmail targets savvy users. I guess people that are computer savvy are also credit savvy.

barbarasabat 1 year ago

What does that say about Yahoo?

flip102982 1 year ago

Yahoo probably has a lot of younger folks.

vantran04 1 year ago

I have yahoo and have an excellent credit score. Not everyone on yahoo is low.

Reesa 1 year ago

This is absolutely understood. This is just a fun way to look at data.

CK Moderator

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 1 year 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 1 year 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 1 year ago

Interesting correlation - It would be interesting to see additional differences between Gmail and Yahoo/AOL users.

jennesy 1 year 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 1 year 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 1 year ago