Weather Forecast


Heitkamp, Cramer spar on issues in first debate after Democratic incumbent apologizes for newspaper ad

ND, MN have highest credit strength in America

Pixabay / Special to The Forum

FARGO—North Dakotans have the highest average credit strength in the country, according to new national rankings.

Instamotor, an online provider of used car listings and transaction services, reported last week that North Dakota was the top state for the credit strength of its residents. It got an overall score of 96 out of 100 based on factors like average credit score, credit card delinquencies and auto loan and mortgage delinquencies.

North Dakota had the country's lowest credit card delinquency rate of 4.22 percent, as well as the lowest mortgage delinquency rate of 0.59 percent. The state also had the second highest average credit score of 700, far above the national average of 669, as well as the third lowest delinquency rate for car loans of 1.98 percent.

Minnesota followed closely behind and was ranked No. 2 for its overall credit strength with a score of 94 out of 100. Minnesota had the highest credit score (707), fifth lowest credit card delinquency rate (5.17percent), lowest car loan delinquency rate (1.72 percent) and third lowest mortgage delinquency rate (0.74 percent).

Instamotor said Midwestern states tend to have the highest credit scores, and blue states have a higher average credit score of 676 compared to 667 in red states.

Ryan Johnson

Ryan Johnson is the Features Editor for The Forum of Fargo-Moorhead. He previously wrote for The Forum and the Grand Forks Herald.

Have a comment to share about a story? Letters to the editor should include author’s name, address and phone number. Generally, letters should be no longer than 250 words. All letters are subject to editing. Send to

(701) 241-5587