What is North Dakota's Average Credit Score?

According to WalletHub, the average credit score in the U.S. is 702 based on the VantageScore model and 715 based on the FICO score model. That means the average American has a good credit score.

The score to ultimately strive for is at least 750, which marks the beginning of the excellent credit range.

Some states across the nation have varying averages of scores.

States with the Highest Average Credit Scores

1. Minnesota (726)
2. New Hampshire (723)
3. Vermont (722)
4. Wisconsin (720)
5. South Dakota (718)

WalletHub compared the average credit scores of residents in each of the 50 states as of October 2024, based on TransUnion data, to determine who has the highest and lowest credit scores.

According to WalletHub analyst Chip Lupo, “The average credit score by state ranges anywhere from 672, which is in the middle of the fair credit range, to 726, which is well into the good credit range. That’s a 54-point difference. Moving to one of the top states may help you increase your own credit score, as they tend to have high average incomes, low unemployment rates, and other positive economic factors that make it easier for residents to pay their creditors on time and limit their borrowing.”

Where does North Dakota rank?

Fret not, North Dakota comes in with the 8th best average credit in the nation with an average score of 717. Just to the west, Montana comes in one spot lower in 9th place with an average score of 715.