Money Matters - Where People Are Most Diligent About Credit

 Staying diligent with credit is an ongoing effort that includes responsibly managing debt and keeping a close eye on your credit report for any errors. To identify where people take credit management most seriously and actively work to avoid credit-score setbacks, the personal-finance website WalletHub released its latest report on the States With the Most Credit-Diligent Residents.

In the report, WalletHub evaluates all 50 states based on six key indicators that reflect how mindful and proactive residents are about their credit. The data includes factors like the percentage of individuals who’ve disputed credit report errors, the share of frozen credit reports, and the rate of active bankruptcies.
 

Most Diligent	Least Diligent
1. Massachusetts	41. South Carolina
2. Iowa	42. Georgia
3. Vermont	43. Texas
4. Alaska	44. Oklahoma
5. Hawaii	45. Tennessee
6. New York	46. Kentucky
7. Wyoming	47. Mississippi
8. Rhode Island	48. Alabama
9. New Hampshire	49. Louisiana
10. Washington	50. Arkansas

 
For the full report and to see where your state ranks, please visit:
https://wallethub.com/edu/states-where-people-are-most-diligent-with-credit/128295

 

“Being diligent about your credit goes far beyond just making timely payments and only borrowing what you can afford to pay back, although those elements are important. True diligence also includes monitoring your credit reports regularly to make sure there are no inaccuracies and swiftly reporting anything that’s out of place. Mistakes on your credit report can unfairly hurt your credit score.”
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“Massachusetts is the state whose residents are the most diligent with credit, and it has the second-lowest share of people who had an account in collections during Q1 2025. This shows that even if people miss payments, they generally aren’t getting so far behind that their creditors are forced to sell their debts to someone else. Massachusetts has the second-lowest missed payment rate in the country. To top things off, Massachusetts also has the second-lowest share of people who had a foreclosure during the first quarter of 2025.”

- Chip Lupo, WalletHub Analyst


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