Mississippi Holds the Lowest Average Credit Score, While Minnesota Leads with Higher Scores

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Mississippi Holds the Lowest Average Credit Score, While Minnesota Leads with Higher Scores
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Mississippi's residents have the lowest average credit score of 672, but both the highest and lowest scores are still considered 'good' by VantageScore's model. Minnesota leads with higher scores due to low credit card balances, which is a major factor in credit scoring. Financial experts suggest consistent financial management to improve credit scores over time.

Mississippi residents have the lowest average credit score at 672, but both the highest and lowest scores remain in the 'good' category according to VantageScore's model. Minnesota ns have higher credit score s due to their relatively low average credit card balances compared to the national average. The credit utilization rate, which is a significant factor in VantageScore calculations, reflects the amount of available credit used at any given time.

A look at the average credit score in every state reveals regional variations. Financial experts advise maintaining a healthy credit score by paying bills on time and keeping credit card balances low. Boosting a credit score to the 'excellent' range requires a FICO score of at least 800 and a VantageScore of at least 781, which can lead to the most favorable interest rates from lenders. Consistent financial management over time, roughly about three years, can significantly improve a credit score

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