Do men in the South have lower scores than women in Wisconsin?
By Jodi Helmer | Published: June 19, 2012
You know how important good credit is, so you watch your credit-related activity closely. You limit credit inquiries, maintain a respectable debt-to-income ratio and -- of course -- pay the bills on time.
But know this: The credit industry is watching right back. If you've checked your credit report, you can see it tracks your individual behavior, but did you know it tracks how we behave in groups? In search of ways to identify the most creditworthy customers, the industry and academics have studied where we live, who we are, how we behave -- and how these traits relate to credit scores.
So, the studies say, a pack-a-day smoker from Harlingen, Texas, is likely to have a worse credit score than a very patient woman from Wausau, Wis.
Hold the e-mails, though -- these unexpected traits that go along with lower credit scores are just correlations, not causations. It's not cause and effect. "None of these things are factored into your score, but have been studied alongside credit scores," explains Michele Raneri, vice president of analytics for Experian.
Keep reading to learn about five things that tend to go along with a lower credit score.
Join the discussion
We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.
If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings. By leaving the 'Post to Facebook' box selected, your comment will be published to your Facebook profile in addition to the space below.
The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company's business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.
Three most recent Credit scores, credit reports stories:
CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers.