While every U.S. state saw average consumer credit scores drop in 2025, Utah fared best of the bunch.
According to a new analysis from WalletHub, average credit scores fell in all 50 states between the third quarter of 2024 and the third quarter of 2025. But Utah ranked 50th overall, meaning it experienced the smallest decline in consumer credit worthiness in the nation.
WalletHub found Utah’s average credit score dipped by just 0.14 percent during that period. The state’s average score stood at 690 in the third quarter of 2025, remaining within the “good” credit range and well above the national average.
The report comes as financial Americans finalize resolution lists, many of which include financial goals. But consumers also face headwinds as rising living costs, higher insurance premiums and inflation continue to strain household budgets.
By comparison, Missouri recorded the largest average credit score drop nationwide, falling from 664 to 654 — a score that ranks in the “fair” credit range, WalletHub said.
Neighboring Idaho credit scores dropped 0.87 percent to a score of 681, tied for 20th nationally.
WalletHub analysts said maintaining on-time payments and managing credit card balances remain the most effective ways to protect and improve credit scores. Keeping credit utilization below 30 percent of available limits and paying down long-term debt are key factors in avoiding larger score declines.
WalletHub’s full report, including rankings for all 50 states and additional commentary, is available at https://wallethub.com/edu/states-with-the-largest-credit-score-changes/131551.