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VantageScore® is a registered trademark of VantageScore Solutions, LLC.

1. VantageScore Range: 300–8502. Average debt was calculated for this study including all credit cards, auto loans and personal loans/student loans.3. Amount of credit available being used.

Experian® is the leading global information services company, providing data and analytical tools to clients in more than 80 countries. The company helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to check their credit report and credit score and protect against identity theft.

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Average number of bankcards

Average balanceof credit

cards

Average utilization

Latepayments

Averagedebt

Greatest Generation Baby Boomers Generation X Millennials

$23,245

$3,044 $2,682

1.90

0.14 0.58

$23,332

1.57

Lowest

Lowest

Lowest

Lowest

Lowest

VantageScore 735 700 653 628LowestHighest

16%

$5,347

0.33

$29,317

2.66

Highest

Highest

30%

$5,343

0.61

$30,039

2.13

Highest

Highest

Highest

37% 37%TIE

Highest

2. Rochester, Minn. ................ 7563. Minneapolis, Minn. ............ 7564. Green Bay, Wis................... 7565. Helena, Mont. .................... 7556. La Crosse, Wis. .................. 7557. Madison,Wis....................... 7548. Cedar Rapids, Iowa .......... 7539. Fargo, N.D. ........................ 75310. Wausau, Wis. .................. 753

#1 Greenwood, Miss.

#1 Greenwood, Miss.

2. Rochester, Minn. ................ 7413. Green Bay, Wis................... 7384. Cedar Rapids, Iowa .......... 7365. Sioux Falls, S.D. .................. 7366. La Crosse, Wis..................... 7347. Wausau, Wis. .................... 7348. Madison, Wis. .................... 7349. Fargo, N.D. ........................ 73410. Minneapolis, Minn. .......... 734

2. Albany, Ga. ...................... 6513. Riverside, Calif. .................. 6574. Laredo, Texas .................... 6595. Harlingen, Texas ................ 6606. Las Vegas, Nev. ................ 6637. Jackson, Miss. .................... 6678. Meridian, Miss. .................. 6689. Shreveport, La. .................. 66810. Florence, S.C..................... 669

2. Minneapolis, Minn. ............ 6613. Madison, Wis. .................... 6604. Mankato, Minn. ................ 6605. San Francisco, Calif. .......... 6596. Sioux Falls, S.D. .................. 6597. Rochester, Minn. ................ 6588. Boston, Mass....................... 6579. Fargo, N.D. ........................ 65510. Butte, Mont. ...................... 652

2. Albany, Ga. ...................... 5723. Jackson, Miss. .................... 5854. Montgomery, Ala............... 5865. Florence, S.C. .................... 5876. Monroe, La. ........................ 5887. Shreveport, La. .................. 5898. Riverside, Calif. .................. 5909. Meridian, Miss. .................. 59010. Harlingen, Texas .............. 591

GreatestGeneration

(Age 66+)

(Age 19–29)

Millennials

2. Harlingen, Texas ................ 6963. Greenwood, Miss. .............. 6984. Albany, Ga. ...................... 7015. Riverside, Calif. .................. 7056. Alexandria, La. .................. 7107. Jackson, Miss. .................... 7118. Corpus Christi, Texas.......... 7119. El Paso, Texas .................... 71210. Miami, Fla. ...................... 712

2. Madison, Wis. .................... 6883. Charlottesville, Va. ............ 6874. Green Bay, Wis................... 6865. Mankato, Minn. ................ 6866. Fargo, N.D. ........................ 6867. Sioux Falls, S.D. .................. 6858. Rochester, Minn. ................ 6849. San Francisco, Calif. .......... 68410. Cedar Rapids, Iowa ........ 683

2. Albany, Ga. ...................... 6003. Riverside, Calif. .................. 6084. Florence, S.C....................... 6085. Monroe, La. ........................ 6116. Jackson, Miss. .................... 6127. Columbus, Miss. ................ 6138. Shreveport, La. .................. 6139. Montgomery, Ala. ............ 61410. Corpus Christi, Texas ...... 614

#1 Laredo, Texas 692

585

558

641#1 Mankato, Minn. 743

#1 Charlottesville, Va. 668

(Age 47–65)Baby Boomers

Generation X(Age 30–46)

Worst credit scoresBest credit scores#1 Mankato, Minn. 757

#1 Minneapolis, Minn. 690

#1 Greenwood, Miss.

✔ Good credit managers ✔ Average utilization ✔ Most reliant on bankcards ✔ Higher-than- average debt

✔ Fair-to-average credit managers ✔ Largest amount of average debt ✔ Carries many cards; very credit active ✔ Slowest to pay their bills

✔ Novice credit managers✔ Least number of bankcards ✔ Highest utilization on bankcards ✔ Slow to pay their bills

GreatestGeneration

BabyBoomers MillennialsGeneration

X

GENERATIONAL INSIGHTS

✔ Excellent credit managers✔ Least amount of debt✔ Lowest utilization ✔ Timeliest payments

EXPERIAN'S FOURTH ANNUAL CREDIT STUDY

STATE CREDITOF

Experian’s fourth annual analysis provides insight into four generational age groups and identifies which groups are faring the best and the worst

when it comes to credit and debt.

GreatestGeneration

GenerationX

MillennialsBabyBoomers

(Age 66+)

(Age 19–29)(Age 47–65)

(Age 30–46)

National average VantageScore®1 in

the United States is

Average incidence

of latepayments681

NATIONAL INSIGHTS

National average number of bankcards

2.19

Averagerevolvingutilization330%

The national average debt2

National average

bankcards balance

$27,887 0.43

$4,501