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Minnesotans have the best credit scores in America

Minnesotans get credit cards. Then they pay the companies what they owe. It's the weirdest thing.

Minnesotans get credit cards. Then they pay the companies what they owe. It's the weirdest thing.

There are a few numbers that get handed to a person in the course of his or her life that are mysterious and seem like they mean everything. 

Standardized test scores. ("I don't even know what I put, I blacked out.") Cholesterol levels. ("I don't even know what I ate, I blacked out.") The credit score is a big one. 

If someone loaned you money, would you be able to pay it back? Would you be willing

If you live in Minnesota the answer to those questions is yes and you betcha, according to a new study from WalletHub, which credits Minnesotans with the best average credit scores in America, compared to our fellow states. We're also the second-least likely state to foreclose on mortgage, and have the third-best (meaning smallest) rate of combined failure on housing, auto, credit card, and student loan debt.

Minnesotans are so honest they even pay back credit card companies. Well, not all of us.

The same study ranks Minnesota No. 1 overall as a "financially savvy" state. We're 14th in the "spending and debt" portion, a composite score that looks at debt-to-income ratios, and questions whether people have a car, house, or habits they can't afford. 

Minnesota also gets second place among states for its "savings rank," a score that considers how many of us have bank accounts, and actually use them to put money in, instead of taking it out, with extra points for a "rainy-day fund." 

The WalletHub folks don't give away just what that pristine average credit score is, so whatever yours is, just know that it's definitely great, and contributing to our top-ranked position. 

Oh! Just throwing this out there. But just imagine if we all used our awesome credit scores to co-sign on a loan for a house. Think of how sweet of a place we could get. Just a thought.