States With the Most Credit-Diligent Residents – WalletHub Study

Being diligent with credit means managing your debt responsibly and monitoring your credit report for inaccuracies. Your credit history plays a key role in many important decisions from lenders, prospective employers, and even utility providers. Ensuring this report is an accurate snapshot of your credit utilization and payment history will go a long way toward supporting your financial goals.

To shed some light on which states’ residents handle and monitor their credit the best, WalletHub compared the 50 states based on six key metrics. Our data set ranges from the percentage of residents who have filed a dispute with a creditor to the percentage of frozen credit reports and active bankruptcies.

States Where People Are Most Diligent With Credit

Overall Rank*  State Total Score 
1 Vermont 86.53
2 Iowa 84.04
3 Hawaii 81.30
4 Massachusetts 78.87
5 Alaska 78.22
6 Montana 76.15
7 New York 73.18
8 New Hampshire 72.99
9 Rhode Island 72.92
10 Washington 70.41
11 Colorado 69.83
12 Minnesota 68.77
13 Nebraska 67.32
14 California 66.37
15 Oregon 66.36
16 Florida 66.10
17 New Jersey 65.51
18 Utah 65.09
19 Connecticut 64.55
20 Maine 64.51
21 Wyoming 64.28
22 Idaho 62.94
23 Ohio 62.10
24 North Dakota 61.07
25 Maryland 60.74
26 Illinois 60.70
27 Wisconsin 60.25
28 South Dakota 58.62
29 Arizona 57.16
30 Virginia 56.94
31 Pennsylvania 55.57
32 Kansas 53.58
33 Missouri 52.21
34 New Mexico 51.86
35 Michigan 50.06
36 West Virginia 48.83
37 North Carolina 48.77
38 Nevada 48.08
39 Indiana 45.98
40 Tennessee 44.16
41 Oklahoma 41.04
42 South Carolina 40.55
43 Georgia 40.11
44 Texas 39.96
45 Delaware 39.91
46 Kentucky 39.66
47 Arkansas 33.74
48 Mississippi 33.33
49 Alabama 26.71
50 Louisiana 26.01

Note: *No.1 = Most Diligent