What Does Your E-mail Provider Say About You?

Credit OKarma What Does Your Email Oct. 2010 Provider Say About You? EDITION The following data is based on the domain of the email address used to register with Credit Karma. According to the CFA, consumers could save $28 billion a year in credit card finance charges if credit scores improved by 30 points. N=296,850. October 2010 Credit Karma Data. 692 681 672 671 AVERAGE CREDIT SCORE AVERAGE CREDIT SCORE 654 AVERAGE CREDIT SCORE AVERAGE CREDIT SCORE AVERAGE CREDIT SCORE Aol. msn GMail Comcast YAHOO! 38 45 39 34 48 AVERAGE AGE AVERAGE AGE AVERAGE AGE AVERAGE AGE AVERAGE AGE National Credit Score Average: 675 S Total Debt Nationally, 98.64% of consumers with a credit report have some form of debt, either short term such as the $4 grande vanilla latte you just charged this morning to your credit card or the 30 year jumbo mortgage that seems like a mountain of interest payments. Little known fact, total debt is not correlated to your credit score. comcast. $144,647 99.09% All Users Have Debt Aol. $116,038 98.95% of All Users Have Debt msn $96,960 98.60% of All Users Have Debt GMail $87,415 98.18% of All Users Have Debt YAHOO! $85,572 98.62% of All Users Have Debt National Average: $102,954 * People with zero debt are not included in the averages * Credit Card Debt & Credit Limit The average consumer has 6.1 open credit cards on their credit report. Creditors do not distinguish between debt that is paid off in full or debt that is carried. Little known fact, even if you pay off your credit cards in full each month, you will still have credit card debt on your credit file unless your credit reports exactly when your balance is zero. comcast. Debt $10,419 $35,869 29% of Limit 94.74% of All Users Have Credit Card Debt Aol. Debt $9,538 31% of Limit $30,486 90.68% of All Users Have Credit Card Debt msn Debt $7,020 29% of Limit $24,018 89.56% of All Users Have Credit Card Debt YAHOO! Debt $6,078 29% of Limit $20,847 83.45% of All Users Have Credit Card Debt GMail Debt $5,508 $20,874 26% of Limit 90.49% of All Users Have Credit Card Debt National Average: $7,383 in Debt and $25,858 in Limit * People with zero credit card debt are not included in the averages Mortgage Debt Student Debt Interesting fact, California has the highest average mortgage debt at $339,944 while West Virginia has the lowest at $98,892. Averages do not include home equity loans. Consumers with student loans have an average of 3.1 student loans. Interesting fact, users in D.C. have the highest student debt while users in North Dakota have the lowest. GMail $198,626 GMail $32,290 26.78% of All Users Have Mortgage Debt 39.99% of All Users Have Student Debt comcast. $179,740 msn $27,751 54.62% of All Users Have Mortgage Debt 32.57% of All Users Have Student Debt Aol. $179,540 comcast $27,892 41.28% of All Users Have Mortgage Debt 21.99% of All Users Have Student Debt msn $169,678 Aol. $27,576 35.96% of All Users Have Mortgage Debt 26.07% of All Users Have Student Debt YAHOO! $167,692 YAHOO! $26,189 31.45% of All Users Have Mortgage Debt 31.70% of All Users Have Student Debt National Average: $175,569 National Average: $28,747 * People with zero mortgage debt are not included in the averages * People with zero student debt are not included in the averages % Percent of On-Time Payments On-time payments has one of the largest impacts on your credit score. Be careful because one late payment could drop your score as much as 70 points. Interesting fact, payments are not reported as late until they are 30 days past due, so if you are a few days late you may have to pay late fees but it shouldn't affect your score. Comcast GMail msn Aol. YAHOO! 98.5% 98.3% 98% 98.0% 97.3% National Average: 98.1% Credit O Karma For more score comparisons and your free credit score, visit Credit Karma at www.creditkarma.com