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Average Credit Scores Plummet Nationwide Amid Financial Strain

1/10/2026

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Summary

Story summary

WalletHub data show average credit scores declined in all 50 states over the past year, signaling broader financial strain.
Missouri's score fell from 664 to 654, and Georgia, Delaware, Kansas, and Minnesota posted declines.
Delaware's high debt delinquency rate affects payment history, a key factor in credit scoring.
The Federal Reserve reports average credit card interest rates exceed 20%, raising borrowing costs.

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Story summary

WalletHub data show average credit scores declined in all 50 states over the past year, signaling broader financial strain.
Missouri's score fell from 664 to 654, and Georgia, Delaware, Kansas, and Minnesota posted declines.
Delaware's high debt delinquency rate affects payment history, a key factor in credit scoring.
The Federal Reserve reports average credit card interest rates exceed 20%, raising borrowing costs.