Credit Score Statistics

FICO Score Distribution by Percentage of Population:

FICO Score 2005
 2006 2007 2008 2009 2010 2011
300-499 6.6 6.5 7.1 7.2 7.4 6.9 6.2
500-549 8.0 8.0 8.0 8.2 8.7 9.0 8.7
550-599 9.0 8.8 8.7 8.7 9.1 9.6 9.8
600-649 10.2 10.2 9.7 9.6 9.5 9.5 10.0
650-699 12.8 12.5 12.1 12.0 11.9 11.9 12.1
700-749 16.4 16.3 16.2 16.0 15.9 15.7 15.5
750-799 20.1 19.8 19.8 19.6 19.4 19.5 19.4
800-850 16.9 17.9 18.4 18.7 18.2 17.9 18.3
Total 100.0 100.0 100.0 100.0 100.0 100.0 100.0
(Source: FICO)

Average Credit Score By State:

State Average Credit Score
Alabama 680
Alaska 691
Arizona 680
Arkansas 683
California 690
Colorado 695
Connecticut 711
Delaware 694
Florida 683
Georgia 677
Hawaii 707
Idaho 705
Illinois 699
Indiana 695
Iowa 714
Kansas 702
Kentucky 688
Louisiana 674
Maine 708
Maryland 695
Massachusetts 713
Michigan 695
Minnesota 721
Mississippi 672
Missouri 694
Montana 714
Nebraska 712
Nevada 668
New Hampshire 714
New Jersey 705
New Mexico 677
New York 699
North Carolina 682
North Dakota 719
Ohio 696
Oklahoma 685
Oregon 704
Pennsylvania 705
Rhode Island 704
South Carolina 674
South Dakota 719
Tennessee 687
Texas 670
Utah 699
Vermont 716
Virginia 699
Washington 707
Washington, D.C. 682
West Virginia 686
Wisconsin 713
Wyoming 703
US National 692

State with the Highest Average Credit Score: Minnesota – 721

State with the Lowest Average Credit Score: Nevada – 668

Equifax Quarterly Consumer Credit Score Distribution*

Year & Quarter Average 1st Quartile 2nd Quartile 3rd Quartile
99:Q1 679.9 608 697 766
99:Q2 679.4 609 695 763
99:Q3 683.1 612 700 768
99:Q4 683.3 610 701 770
00:Q1 682.4 608 701 771
00:Q2 682.8 608 701 772
00:Q3 681.9 608 702 771
00:Q4 683.7 610 704 773
01:Q1 681.4 607 702 772
01:Q2 681.1 607 702 771
01:Q3 680.6 607 702 771
01:Q4 679.9 605 702 771
02:Q1 679.8 605 702 772
02:Q2 680.6 605 703 772
02:Q3 680.2 605 703 772
02:Q4 679.9 605 702 771
03:Q1 680.8 605 703 772
03:Q2 682.4 607 704 773
03:Q3 682.5 607 704 773
03:Q4 682.3 606 703 772
04:Q1 682.5 606 703 773
04:Q2 683.5 607 704 773
04:Q3 684.2 607 704 774
04:Q4 685.1 607 706 776
05:Q1 686.8 608 707 778
05:Q2 688.4 610 708 779
05:Q3 688.1 609 708 779
05:Q4 687.8 609 708 779
06:Q1 688.8 610 709 780
06:Q2 689.3 610 710 781
06:Q3 688.6 609 710 781
06:Q4 688.2 609 710 780
07:Q1 689.0 610 710 781
07:Q2 689.5 610 712 783
07:Q3 688.9 609 712 784
07:Q4 688.0 608 712 784
08:Q1 689.1 608 713 785
08:Q2 690.3 609 715 787
08:Q3 690.2 609 714 787
08:Q4 689.4 607 713 787
09:Q1 690.8 608 715 790
09:Q2 691.3 609 715 789
09:Q3 690.9 608 714 788
09:Q4 690.0 608 713 788
10:Q1 691.7 609 714 789
10:Q2 692.5 610 714 788
10:Q3 692.3 610 713 788
10:Q4 692.5 612 712 787
11:Q1 694.2 613 713 789
11:Q2 695 614 713 788
11:Q3 694 614 713 789
11:Q4 694 614 712 789
* The Equifax credit score is different from the FICO®
score that most lenders use. The Equifax score, like the
FICO® score,ranges from 300-850, with a higher score
being viewed as a better risk than someone with a lower score.
Source: FRBNY Consumer Credit Panel/Equifax
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