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Global Warming, Buy Here Pay Here, and Credit Scores

A recent study by Experian indicated that the average credit score for Americans was 692. On average, people in Minnesota had the best credit score average of 721 while Nevada had the lowest average 668. When ever we review data we always look for a pattern, what is the data telling us? We analyzed the top 10 states with lowest average credit scores and the states with the highest.

In each case we were looking for a common tread. Did the credit score stats have any thing to do with the political environment; do states with Democratic leadership have higher credit scores than states with Republican leadership? Or how about the work force; do states with a unionized work force have higher credit scores than states without.

We could not find a common tread from the empirical data presented by Experian and other empirical data available on the internet, except for one, climate. That's right, climate. After spending countless hours collecting readily available data, crunching the numbers, only one data subset consistently tied in with the Experian data; climate.

From the data we collected we were able to deduce that in most cases, average credit scores are inversely proportional to the average temperature. The following tables demonstrate our point:

Top 10 USA States with the lowest credit scores:

Further evidence gathered from Google Insights for Search supports our theory. Aside from Chicago and Seattle, people in warmer climates overwhelming use the internet to search for bad credit.

So how can we help? Many people with bad credit cannot get approved for auto financing to buy a car. Traditional lenders such as banks and finance companies only look at your credit score.

At BuyAndPayHere.com we match the items on your loan request form with available lending programs in your local area. In our network, we have over 700 buy here pay here used car lots in the USA. Save time and unnecessary inquiries on your credit report, get started with us today.