信用评分是许多财务决策的重要因素。 它影响了你获得贷款、开立银行账户、申请保险福利,甚至找工作的能力。 这张地图显示美国人的信用分数最高的地方,以及他们的信用分数最低的地方。

什么是学分?

信用评分是衡量一个人信誉的一种方法。 它们基于一个人欠了多少债务以及他或她偿还债务已经有多久了。 高分意味着你不太可能与你的债权人发生纠纷。

信用得分最高的州是马萨诸塞州、明尼苏达州和新泽西州。 这些州的债务拖欠率最低,贷款利率最低。

信用分数最高的州是怀俄明州、阿拉巴马州和密歇根州。 这些州的债务拖欠率最高,贷款利率最高。

如何计算学分

信用评分是衡量一个人信誉的一种方法。 你的分数越高,你就越有可能获得贷款或其他信贷产品的批准。 良好的信用分数意味着能够买房和被拒绝信用之间的区别。

要计算你自己的信用分数,首先确定你的总负债与信用限额比率。 这仅仅是债务总额除以您当前的信用额度。 例如,如果你有5,000美元的未偿债务和10,000美元的贷款限额,你的债务与信贷限额比率将是5/10或50%。

你的FICO分数基于这个百分比和其他因素,如你的支付历史和当前可用学分的利用水平。 FICO分数主要有三个版本: 「正规」(FICO®分数9)、「有限」(FICO分数7)及「有限」(FICO分数6)。 数字越高,你获得贷款的机会就越大。

现在你知道如何计算自己的信用分数了,下面是五个州获得高分的最好和最差的机会:

信用分数高的州:

1) 佛蒙特州

2) 马萨诸塞州

3) 罗德岛

4) 犹他州

5) 科罗拉多州

哪些州信用分数最高?

在信用评分方面,有些州比其他州好。 WalletHub利用FICO和福布斯提供的数据,对各州信用得分最高和最差的州进行排名。 下面是前五名:

马萨诸塞州
犹他州
新罕布什尔州
康涅狄格州
佛蒙特州

哪些州信用分数最低?

根据Credit Karma的一项研究,信用分数最低的州位于该国的南部和西部地区。 信用分数最低的前五个州是路易斯安那州、阿肯色州、阿拉巴马州、密西西比州和田纳西州。

这项研究调查了数百个可能影响你信用分数的因素,比如你的债务与收入比率,信用利用率,以及信用记录的长度。 为了判断哪个州信用分数最低,Credit Karma使用了2018年1月发布的FICO® Scores 2.0和3.0的数据。

如果你希望提高你的信用分数,或者避免陷入这个列表的末尾状态,这里有一些建议:

记录你的支出:确保你正在跟踪你的所有支出,这样你就能发现你超支的地方,并找到你可以削减的领域。 这将帮助你降低你的总体债务与收入比率,并提高你的总体信用评分。

首先还清高利息债务: 如果你有高利息的债务,比如抵押贷款或汽车贷款,每个月都要花掉你额外的钱,试着在还清其他债务之前先还清它们。 这样做将有助于降低你的总体债务与收入比率,并提高你的总体信用评分。
另请参阅:美国宽带互联网地图终于问世了,所以测试一下吧

继续支付款项: 不要让逾期未付的账单堆积在你的账户上——确保你总是按时付清所有的账单。

为何地点对你的信用评分有影响

在计算你的信用分数时,地点是最重要的因素之一。 高信用分数表明你是一个低风险的借款人,这可以使借贷更加容易。 信用评分模型考虑了许多因素,包括你的信用历史、支付历史和当前的债务水平。

信用分数高的最佳状态通常是那些贷款违约率低的州。 这些国家也有强大的经济和良好的金融机构。 信用分数高的州最差的地方通常是那些贷款违约率高的州。 这些国家经济疲软,金融机构陷入困境。

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