My wife and I bought a new car back in January.

When it came time to meet with the Financing Department, I was shocked to find that my wife had a better credit score than me (I had a "Very Good" score compared to her "Excellent" score)! I've always been careful in using my credit card and paying it off in a timely manner while my wife has had a more haphazard approach.

According to various sources including The Ascent and Investopedia, Minnesotans on average have the highest FICO credit score in the country with an average score of 733. Vermont, Wisconsin, New Hampshire, Washington, and North Dakota are all close behind. The average FICO score in the United States is 706, reports The Ascent. The highest credit score, meanwhile, is 850 though it's extremely difficult to reach a perfect score. Only 20% of Americans have a credit score of 800 or higher.

Get our free mobile app

FICO credit score ranges are:

850–800Exceptional
799–740Very Good
739–670Good
669–580Fair
579–300Very Poor

The Ascent lists some ways to improve a credit score, including:

  • Paying off your credit card balance every month
  • Correcting errors on your credit report
  • Keeping an old credit card open, even if you don't use it often
  • Paying your bills on-time
  • Requesting an increase to your credit limit

The states with the lowest FICO credit score (in 2021) were Mississippi, Louisiana, Alabama, Oklahoma, Texas, and Georgia.

Read more about FICO credit scores -- including what a good credit score for credit cards and loans is -- here.

Inside Amazon: A Detailed History of America's Biggest Online Retailer

Stacker compiled a list of key moments in Amazon's history and its current business from a variety of sources. Here's a look at the events that turned an online bookstore into a global conglomerate and a self-made entrepreneur into the world's second-richest man.

LOOK: What are the odds that these 50 totally random events will happen to you?

Stacker took the guesswork out of 50 random events to determine just how likely they are to actually happen. They sourced their information from government statistics, scientific articles, and other primary documents. Keep reading to find out why expectant parents shouldn't count on due dates -- and why you should be more worried about dying on your birthday than living to 100 years old.

More From KRFO-AM