Discover which U.S. states and cities scored best in Experian's 2016 "State of Credit." The 7th annual study explores consumer credit scores across the country.

1. How consumer
credit scores fared
across the country in 2016

2. Which part of the country
has bragging rights when it comes to
sporting the best consumer credit scores?
How consumer credits scores fared across the crountry in 2016 1 0f 11

3. The Midwest took the lead, with
Minnesota taking the top 3 cities
1
2 3
Credit
ScoreCity
Mankato, MN. 708
708
707
Rochestor, MN.
Minneapolis, MN.
1.
2.
3.
How consumer credits scores fared across the crountry in 2016 02 0f 11

4. Top 10 highest average credit scores by city
2016 Average
Vantage Score
2015 Average
Vantage ScoreCity, State
Mankato, MN. 708
708
707
704
704
703
703
703
703
702
706
705
704
700
701
701
700
699
701
699
Rochestor, MN.
Minneapolis, MN.
Green Bay, WI.
Wausau, WI.
Duluth, MN.
Sioux Falls, SD.
La Crosse, WI.
Fargo, ND.
Madison, WI.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
How consumer credits scores fared across the crountry in 2016 03 0f 11

5. Americans are doing well, with less
stress on credit and debt.
Which generation holds the
best credit scores?
How consumer credits scores fared across the crountry in 2016 06 0f 11

6. “All credit indicators suggest consumers are not as
‘credit-stressed’- credit card balances and average debt are
up while utilization rates remained consistent at 30%.”
- Michele Raneri, VP of Analytics and New Business Development at Experian
How consumer credits scores fared across the crountry in 2016 04 0f 11

7. The nation’s average credit
score is up 4 points; from
669 to 673 last year.
The stock market reached
record highs post-election.
Bankcard originations and
balances continue to grow,
dominated by prime borrowers.
2015 2016
The nation is looking in a positive direction
How consumer credits scores fared across the crountry in 2016 05 0f 11
669
673

8. Silents
Gen Z is emerging for the first time in the credit ranks with an
average score of 631.
Boomers Gen X Gen Y
How consumer credits scores fared across the crountry in 2016 07 0f 11
730 700 655 634

9. Rise in income and low unemployment are
helping how Americans manage credit.
The positive effect of
economic recovery on
homeownership
How consumer credits scores fared across the crountry in 2016 08 0f 11

10. of those who foreclosed back in
the Great Recession have already
boomranged to become
homeowners again
How consumer credits scores fared across the crountry in 2016 09 0f 11
12%
who experienced a short sale
during that time have also
recently taken on a mortgage
29%
Americans will see a foreclosure
fall of their credit report between
June 2016 and June 2017
2.5
million

11. There is always room for
improvement, but the
7th
annual state of credit
reveals there is much to be
thankful for in 2016.
How consumer credits scores fared across the crountry in 2016 10 0f 11

12. To learn more about Experian’s annual state of credit, visit:
How consumer credits scores fared across the crountry in 2016 11 0f 11
www.experian.com/live-credit-smart/state-of-credit2016.html