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33 comments
Mine was 660 and i missed one single credit card payment and it dropped 150 points
Started in June 2016, 90s-born here at 778 😃
Dang, Credit score of 3,621 and im only 4 years old. Not trying to brag or anything. But it's been a goal of mine since I was 2.
I think the credit score distribution in states might be related to high school graduation rates, and I'm sure it's also related to racial demographics on some level (like most things, lol). The South is kinda famous for its poor quality of education generally, and I'm sure financial education is in step right with it. Non-white populations tend to be larger in those states as well, and the historic discrimination against those groups especially in regards to loan qualification has very likely carried into this century.
But that's just a theory. A credit theory, thanks for watching.
Poverty is higher in the southern states than in the northern states. Poor people don't pay their bills on time. It's pretty simple imo.
Background/set is a bit dark. Sound quality seems to have gotten better.
I’m 28. Score 763. I’ve been slowly trying inch my way to 800.
Those states look to follow the top and bottom for education.
i called it on Mississippi (ok no prizes for guesses as its predictable).
My guess is that it actually has to do with blue states vs red states. red states tend to let businesses do what they want, they tend to allow more things like extreme debt via pay day loans and so on.
800+ FICO can't get past 830 because I paid off my mortgage…as if I'm going to get a new mortgage to get 15 points
1 single CREDIT CARD is the wrong number of credit cards to get the highest FICO SCORE
Hey, pls dont recommend capital one secured, because that card does not unsecure!!
19 with 768
Republican states vs democratic states?
I'm 28 and currently at 779. 😀
Wth have you done to get a fico 300 🤣
Mines is 681
I’m 21 and I have a score of 736, knowing I’m a little above the average makes me happy haha
2:17 And now for 2020 its going to be at an all time low😂😂😂
Autopay people. It's autopay dragging the scores up
Lol this was made pre-covid. So now that average surely dropped
It's now the end of July 2020 and twenty million people are unemployed as a result of the pandemic. Bet you these credit scores have dropped dramatically.
Has anybody ever really achieved a 300-350 score? that seems like a Unicorn. I've been in the auto finance business for the past 25 yrs, and the lowest i've ever seen was a 367! IMO- a person would need to work harder to get one of these scores vs someone trying to get a 800 .
I don’t understand how everyone is providing a single score. Are you pulling exclusively from Experian?
I accessed Experian and got an overall score of 711.
My Discover card (pulling from FICO for Transunion) provides free monthly scores and I currently have a 735. I assume Discover is pulling a more favorable score using the credit card issuer category of scores.
HOWEVER, I just accessed both Transunion and Equifax at the same time and I’m at 682 and 684.
So I’m at a range between 682 and 711.
I live in NY (Westchester county).
The south’s credit scores are a reflection of the lingering legacy of the terrible institution of slavery followed by Jim Crow and Redlining, as well as many extremely poor areas, such as Appalachia.
18 and at 677. I'm happy.
Thank you! Love that you get right to the point without a lot of fluff that’s a waist of time. Very useful information. Please keep them coming.
Right to work states will always have lower scores when education lags as well as it does in much of the south.
31 y.o. at 744
20 years old with a 715, feeling good hoping to get into the 740's before i turn 21 lol
Thank God for Mississippi.
That's why they want to change the system because too many people learned it already. It's shameful honestly
Young people gloating about their scores.. stop it. It's easy to build the score at first compared to common belief the hard part is not getting in debt trouble when hard times come. So keep playing your cards right.