Here's How Much Credit Scores Have Changed in Each State Over the Past 5 Years
Some money experts suggest you regularly check your credit score. One common way to do this is to look at your FICO score. This score is a particular brand of credit score that helps lenders determine how likely someone is to pay back a loan.
If your score has gone up in the past few years, you're in good company. According to data from Experian, since 2020, the average FICO credit score in the United States has increased by three points to 713.
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"Five years ago, the economy received record stimulus, while most people were not consuming a ton and actually taking time to get their financial houses in order," said Marcus Sturdivant Sr., managing member of The ABC Squared. "Savings levels during these years reached near all-time highs. However, as the world has experienced the related inflation battle from this stimulus, consumers have had to bear the burden of the lift. So as we see credit scores improve, we are beginning to see savings levels decrease and credit usage expand."
Based on the data from Experian, here's a look at how much credit scores have changed in each state over the past half-decade.
Alabama
Average FICO score 2020: 686
Average FICO score 2025: 689
Alaska
Average FICO score 2020: 714
Average FICO score 2025: 720
Arizona
Average FICO score 2020: 706
Average FICO score 2025: 709
Arkansas
Average FICO score 2020: 690
Average FICO score 2025: 693
California
Average FICO score 2020: 716
Average FICO score 2025: 721
Colorado
Average FICO score 2020: 725
Average FICO score 2025: 729
Connecticut
Average FICO score 2020: 723
Average FICO score 2025: 724
Delaware
Average FICO score 2020: 710
Average FICO score 2025: 713
Florida
Average FICO score 2020: 701
Average FICO score 2025: 704
Georgia
Average FICO score 2020: 689
Average FICO score 2025: 692
Hawaii
Average FICO score 2020: 727
Average FICO score 2025: 730
Idaho
Average FICO score 2020: 720
Average FICO score 2025: 729
Illinois
Average FICO score 2020: 716
Average FICO score 2025: 720
Indiana
Average FICO score 2020: 707
Average FICO score 2025: 710
Iowa
Average FICO score 2020: 726
Average FICO score 2025: 728
Kansas
Average FICO score 2020: 717
Average FICO score 2025: 720
Kentucky
Average FICO score 2020: 698
Average FICO score 2025: 704
Louisiana
Average FICO score 2020: 684
Average FICO score 2025: 686
Maine
Average FICO score 2020: 721
Average FICO score 2025: 731
Maryland
Average FICO score 2020: 712
Average FICO score 2025: 714
Massachusetts
Average FICO score 2020: 729
Average FICO score 2025: 731
Michigan
Average FICO score 2020: 714
Average FICO score 2025: 717
Minnesota
Average FICO score 2020: 739
Average FICO score 2025: 741
Mississippi
Average FICO score 2020: 675
Average FICO score 2025: 677
Missouri
Average FICO score 2020: 707
Average FICO score 2025: 712
Montana
Average FICO score 2020: 726
Average FICO score 2025: 730
Nebraska
Average FICO score 2020: 728
Average FICO score 2025: 728
Nevada
Average FICO score 2020: 695
Average FICO score 2025: 699
New Hampshire
Average FICO score 2020: 729
Average FICO score 2025: 735
New Jersey
Average FICO score 2020: 721
Average FICO score 2025: 722
New Mexico
Average FICO score 2020: 694
Average FICO score 2025: 701
New York
Average FICO score 2020: 718
Average FICO score 2025: 719
North Carolina
Average FICO score 2020: 703
Average FICO score 2025: 707
North Dakota
Average FICO score 2020: 730
Average FICO score 2025: 730
Ohio
Average FICO score 2020: 711
Average FICO score 2025: 713
Oklahoma
Average FICO score 2020: 690
Average FICO score 2025: 693
Oregon
Average FICO score 2020: 727
Average FICO score 2025: 730
Pennsylvania
Average FICO score 2020: 720
Average FICO score 2025: 720
Rhode Island
Average FICO score 2020: 719
Average FICO score 2025: 719
South Carolina
Average FICO score 2020: 689
Average FICO score 2025: 699
South Dakota
Average FICO score 2020: 731
Average FICO score 2025: 731
Tennessee
Average FICO score 2020: 697
Average FICO score 2025: 703
Texas
Average FICO score 2020: 688
Average FICO score 2025: 692
Utah
Average FICO score 2020: 723
Average FICO score 2025: 728
Vermont
Average FICO score 2020: 731
Average FICO score 2025: 737
Virginia
Average FICO score 2020: 717
Average FICO score 2025: 721
Washington
Average FICO score 2020: 730
Average FICO score 2025: 734
West Virginia
Average FICO score 2020: 695
Average FICO score 2025: 699
Wisconsin
Average FICO score 2020: 732
Average FICO score 2025: 737
Wyoming
Average FICO score 2020: 719
Average FICO score 2025: 722
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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