Average credit scores were highest in the New England region of the country, though it was a Midwest state that had a higher score than any other. The lowest average score was in a state where everything is bigger.
The average U.S. consumer had a credit score of 693, according to the Experian National Score Index. The index is based on data collected from a representative sample of 3 million consumers' credit profiles.
Experian scores range from a low of 330 to a high of 830.
In New England, the average score was 712 -- higher than any other region. Other regions with high average scores included the West North Central, with an average score of 708; the Middle Atlantic, with an average of 703; and the East North Central, with a 699 average score.
At an average score of 671, the West South Central region was the lowest.
By state, Minnesota was highest, with an average Experian score of 722. South Dakota followed, with 719, then North Dakota, at 718. No. 4 was Massachusetts, with an average of 715, and No. 5 was Montana, at 715.
On the low end of the spectrum was Texas, with an average credit score of 668.
In an announcement today, Experian reported that the number of severely delinquent mortgages during February increased 15 percent from a year earlier. The credit repository noted the national average credit score for severely delinquent mortgage borrowers fell to 599 from 605 in February 2007.
Severely delinquent mortgages included charge-offs, short sales, foreclosures, repossession, collections, voluntary surrender and bankruptcy.
The average balance on severely delinquent mortgages was $131,699, the statement said.
In California, 12.4 percent of mortgages were severely delinquent -- the highest of any state. Florida followed, at 8.0 percent, then Texas, with 6.3 percent of mortgages being severely delinquent.
The national average credit score for current mortgage borrowers was 750, Experian said.