WalletHub compared six key metrics for each of the 50 states that indicate awareness and diligence in managing credit. Our data set ranges from the percentage of customers who have filed a dispute with a creditor to the percentage of frozen credit reports and active bankruptcies.
| Most Diligent | Least Diligent |
| 1. Vermont | 41. Texas |
| 2. Hawaii | 42. Indiana |
| 3. Alaska | 43. Georgia |
| 4. Massachusetts | 44. Tennessee |
| 5. Iowa | 45. West Virginia |
| 6. Washington | 46. Kentucky |
| 7. New York | 47. Alabama |
| 8. Oregon | 48. Arkansas |
| 9. North Dakota | 49. Mississippi |
| 10. Colorado | 50. Louisiana |
For the full report and to see where your state ranks, please visit:
https://wallethub.com/edu/
“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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“Vermont is the state whose residents are the most diligent with credit. Vermont has the lowest share of people with active bankruptcies during Q1 2026, which shows that most people don’t miss their payments which is a common path to collections or bankruptcy. In addition, during Q1 2026, Vermont had the second-lowest share of people who missed payments, the lowest share with collection accounts and the 11th-lowest share with foreclosures.”
- Chip Lupo, WalletHub Analyst
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