New Yorkers are working to boost their credit scores this Christmas season
In a season of spend, spend, spend, some are more concerned about their credit scores, as the more you spend, the lower it falls.
As Chase Bank noted: “a general rule of thumb is to keep your credit utilization ratio below 30%. And if you really want to be an overachiever, aim for 10%. According to Experian, people who keep their credit utilization under 10% for each of their cards also tend to have exceptional credit scores (a FICO Score of 800 or higher).”
New research has found the states that are most interested in improving their credit, and New York is top 10.
Using search volume data from Google Keyword Planner, experts at verified coupon site Coupons4Real analyzed the search volume data for a list of terms relating to improving credit. They ordered the states from highest to lowest monthly searches per 100,000 people to reveal the ranking.
The top searched term across the U.S. is “‘how to build credit,” accumulating 33,914 monthly searches on average. This is followed by the search terms “good credit cards for building credit,” with 17,847 monthly searches and “best credit cards for building credit” with 17,738.
Leading the ranking is Georgia, where residents search for ways to improve their credit 81.6 times a month per 100,000 people. Georgia residents search for “how to build credit” 1,500 times a month.
In second place is Wyoming, with 80.5 monthly searches for improving credit per 100,000 people. The search term “good credit cards for improving credit” is searched 66.6 times every month in the state.
Hawaii is in third place, as people search for ways to improve their credit 75.7 times a month per 100,000 residents.
Colorado ranks fourth, with 74.5 searches to improve credit recorded each month for every 100,000 residents. People in Colorado search for the “best credit cards for building credit” 445.8 times a month.
In fifth place is Alaska, with 74.2 searches for ways to improve credit per month for every 100,000 people.
Residents in North Dakota search for ways to build credit 73.2 times a month per 100,000 residents, placing the state sixth.
Ranking seventh is Vermont, where residents look to improve their credit 72.5 times a month per 100,000 residents.
Illinois and Delaware share eighth place, with 71.4 monthly searches per 100,000 people for ways to improve or build a credit score.
New York ranks ninth for eagerness to improve credit, with 70.4 monthly searches per 100,000 residents.
Washington rounds out the top 10, with residents looking for ways to improve their credit 69.3 times a month per 100,000 people.
Connecticut comes in at 44th, with 47.2 searches per 100,000 people.
Said Panayotis Nikolaidis, CEO and founder of Coupons4Real: “Americans are increasingly focused on improving their credit, with many turning to free online resources for guidance. Whether it’s searching for tips on boosting their credit score or finding strategies for managing debt, people are eager to take control of their financial health.
“A good credit score is essential for securing better loan rates, credit card allowances and even housing, making it crucial for long-term financial stability. The internet offers easy access to expert advice and step-by-step guides, empowering individuals to build and maintain strong credit.”
Here are the complete rankings:
| Rank | State | Average monthly searches per 100k |
| 1 | Georgia | 81.6 |
| 2 | Wyoming | 80.5 |
| 3 | Hawaii | 75.7 |
| 4 | Colorado | 74.5 |
| 5 | Alaska | 74.2 |
| 6 | North Dakota | 73.2 |
| 7 | Vermont | 72.5 |
| 8 | Illinois | 71.4 |
| 9 | Delaware | 71.4 |
| 10 | New York | 70.4 |
| 11 | Washington | 69.3 |
| 12 | Alabama | 68.1 |
| 13 | Nevada | 67.0 |
| 14 | Rhode Island | 63.6 |
| 15 | North Carolina | 62.4 |
| 16 | Maryland | 61.1 |
| 17 | Mississippi | 60.9 |
| 18 | New Mexico | 60.3 |
| 19 | South Dakota | 60.0 |
| 20 | West Virginia | 58.1 |
| 21 | Arizona | 56.4 |
| 22 | Texas | 56.4 |
| 23 | Louisiana | 55.9 |
| 24 | California | 55.7 |
| 25 | Montana | 55.7 |
| 26 | Oklahoma | 54.9 |
| 27 | Tennessee | 54.9 |
| 28 | Kentucky | 54.9 |
| 29 | Massachusetts | 54.9 |
| 30 | South Carolina | 54.5 |
| 31 | Nebraska | 54.3 |
| 32 | Maine | 54.2 |
| 33 | New Jersey | 53.8 |
| 34 | Arkansas | 53.2 |
| 35 | Virginia | 53.0 |
| 36 | Florida | 52.9 |
| 37 | New Hampshire | 52.8 |
| 38 | Oregon | 52.7 |
| 39 | Missouri | 51.8 |
| 40 | Indiana | 51.5 |
| 41 | Ohio | 49.7 |
| 42 | Kansas | 48.8 |
| 43 | Utah | 47.2 |
| 44 | Connecticut | 47.2 |
| 45 | Michigan | 46.6 |
| 46 | Idaho | 46.1 |
| 47 | Minnesota | 45.9 |
| 48 | Pennsylvania | 44.7 |
| 49 | Iowa | 42.6 |
| 50 | Wisconsin | 38.9 |