Here's How Much Credit Scores Have Changed in Each State Over the Past 5 Years
Here's How Much Credit Scores Have Changed in Each State Over the Past 5 Years
Chris AdamSun, March 29, 2026 at 2:30 PM UTC
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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.
Check Out: I’m a Credit Expert -- Watch Out for This Pitfall When Working To Improve Your Credit Score
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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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Source: “AOL Money”
