If we water down the stats from two recent reports, a New Jerseyan of the Greatest Generation (66 years or older) will have the highest credit score around.
Using this same simple math, a Generation Yer from Mississippi would have the lowest.
Of course, that's oversimplifying two reports released this week.
The first one is from CreditKarma.com, showing residents of New Jersey had the highest average FICO credit score of 681 in January, while Mississippians had the lowest at 622. The average national score was 661, up one point from December.
The second report from Experian revealed that the Greatest Generation posted the highest average VantageScore credit score of the four adult generations at 829. Baby boomers (ages 47 to 65) came in second with 782, followed by Generation X (ages 30 to 46) at 718 and Generation Y (ages 19 to 29) with 672.
VantageScore is a three-digit credit score between 501 and 990 developed jointly by the three major credit reporting agencies: Experian, Equifax and TransUnion. The most widely used credit score is the FICO credit score, with a range between 300 and 850.
Both reports also listed average debts by either state or generation.
In CreditKarma.com's survey, Californians had the highest average total debt at $357,826. Hawaii ranked second with $357,491. West Virginia boasted the lowest amout of average total debt at $139,530, followed by Arkansas at $146,587. The calculations included auto debt, student loan debt, mortgages and credit card debt.
Generation Xers carry the most average debt ($111,121), according to Experian's study, while Generation Y is least in debt at $34,765. Boomers average about $101,951 in debt, and the Greatest Generation owes about $38,043. The totals include first and second mortgages, credit cards, store cards and auto loans.
So to continue with the childish algebra: Generation Xers from California have the largest debt obligations in the country, while a 20-something in West Virginia has the smallest.
How do you fit into the stats? Check out each report and report back to me.
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