The most credit-worthy states in America

The better you keep your finances in order, the better chances you have for credit. Which states are most deserving?

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VIDEO ON MSN MONEY

227Comments
Nov 16, 2013 5:08AM
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Let us be very clear about the so called credit score. It is actually a debit score. If you have no debt then your score will be very low. This is a tool used to keep the hard working Americans in debt. Dont belive it. Use cash, pay as you go stay out of debt and your life will be better. The more we are in debt as citizens of this  great country the more we lose and the more the 1% wins.Tell them to take their credit scores and put  them where the sun dosen't shine. Say no to debt.
Nov 12, 2013 9:21AM
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One obvious truth in this survey is that the fewer Black and Hispanic residents in a state, the better it's chance to be on this list.  Sad..., but obvious.
Nov 16, 2013 10:49AM
Nov 12, 2013 9:12AM
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Regardless how well or how bad the individual states are doing, the US is now like a family that has a combined household income of 100K a year but has a 1.7 Million dollar mortgage and is borrowing 52% of the monthly payments to pay the interest only. With Obama's continued spending for failed social programs to attract voters, that will seem like peanuts by the time our children are tax payers and Reid, Pelosi, Barrack, Biden, etc are long gone....what a great legacy they will leave.
Nov 12, 2013 9:41AM
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What about California?  Oh, sorry, they would be first(in reverse order).
Nov 16, 2013 9:59AM
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.......................It confirms what most of us know already.................

 

The vast majority of the states were GOP Red states with very low amounts of blacks and hispanics.

 

These types of quality Americans budget their money, invest wisely....and the bottomline - pay their bills on time. The other factions - Don't!!

Nov 16, 2013 5:32AM
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Most of the states listed are very White. There are TWO reasons for that: 1) IQ equals ability. Ability equals income. High income gives the best chance for great credit. You can't "learn" IQ. You can't improve it with free Government grants. You're born with it. NORTH Asians, who share the top of the IQ bell curve with Whites, are a very small percentage of US population. Therefore, clusters of high IQ/higher average income/excellent credit, are always going to be where Whites are clustered. 2) Most Whites share the same values, that of Western Civilization, which preaches and values honesty and dependability. There's a reason why human history's most successful nations have been White, and it has nothing to do with natural resources. There is also a reason why Nigeria looks the way it does, Mexico looks the way it does, and Laos looks the way it does.
Nov 16, 2013 8:03AM
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Hay where is California and the wonderful Job Nancy Pelosi has done giving her husband insider trader information.  What a loving couple. 

Nov 16, 2013 9:57AM
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I would say North Dakota is tops because of the large farming community.  Farmers avoid credit and pay their debts on time leaving very little to be written off.

Nov 16, 2013 11:09AM
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Obvious reason!

 

These states have the lowest number of Blacks and Hispanics per capita. Plus these states have higher than average employment with North Dakota having the best economy in the country all due to the fracking boom.

So the key to States getting high credit scores is to attract people with high ethics that want to work and then have pro job policies to help get them employed. Hmmm... novel idea?

 

I would loved for this article to have revealed where the predominantly democratic 'hand me out' States rank; California, New York and Illinois come to mind. Perhaps rank 50...49...48 respectively.

Nov 12, 2013 9:39AM
Nov 11, 2013 9:31PM
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Credit scores are becoming less important every year. What jobs you hold, length of employment, consistency of wage/salary are becoming more important than they were a few years ago. 10 years ago my credit was almost at the bottom with judgements and delinquent medical bills........now it's nearly at the top. Was just approved for a 30k credit line from a credit card company as I've never been late for one payment on anything for 10 years. Boy does that feel good........living within my means is harder but much happier and WAY less stressful.

 

Also, it's nice to see there are no Obama or Republican bashers posted yet..........since I'm the first post.

 

Happy Thanksgiving to ALL................

Nov 16, 2013 8:03AM
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the people that are trying to make this political are sick, the opportunity lies within each american, you just have to sacrifice, be diligent and slightly frugal. opportunity dont knock anymore, you have to improvise the knock
Nov 16, 2013 9:16AM
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well... regardless of whatever is being said... that is a beautiful scene in the photograph... i'd move there just for that...


Nov 16, 2013 9:37AM
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OBVIOUS REASON, LESS BLACKS AND HISPANICS
Nov 16, 2013 12:23PM
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Tell the truth---you have a better chance of being more credit worthy based on your income---teachers in Arizona start in the low $30's today, and may get a raise of almost $1000 every year.  So in 2013 it will take you almost 20 years to earn $50,000.   What about paying back student loans for those not born to the more affluent or generous--many people who work in finance earn tremendous amounts of money --2 of my cousins--so I know---Credit reporting agencies  make people feel like they're bad at managing---well if you have pets, kids, car repairs, medical bills,    it is a joke!!!     HOPEFULLY IF THERE IS AN AFTERLIFE, WE WON'T BE JUDEGED BY OUR CREDIT SCORES!   ALSO---the people who make all the money don't want to pay taxes for schools or their employees.  When a poorer person gives or pays their tax---it makes a bigger dent in what they can save.  While the rich make money from their money investments----when they give, it is a  help to them for tax deduction purposes.  Credit worthy is based on how much you earn--when it boils down to it---a lot of people use credit cards out of desperation for NECESSITIES!

Nov 16, 2013 10:38AM
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You don't have to be an M&M. It's the middle class, that sets the bar high. They do not live beyond their means.

It's usually the higher rollers the creditors are looking fore.

Nov 12, 2013 4:45AM
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What?  New Hampshire & Vermont?  Did Ben & Jerry do the research for this article?

 

Nov 16, 2013 10:45AM
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Gee ... I wonder if it has anything to do with their cost of living vs. their incomes.  And when you live in an area where there's nothing to do, or everywhere you go, someone wants you to pay them .. well ..   
Nov 16, 2013 10:00AM
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Coincidence that the vantage score and states population are the same number...
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