Interesting statistic. But does it really say anything? Most of the people in the blue dem states you site are poor. Therefore they have no access to credit. How can they have a bad credit score if they have no credit history? How about if we look at these same states from a different view point. Which ones are broke? Which ones are nearly bankrupt? Which ones have a higher crime rate? A lower employment rate? More people on welfare? I could go on, but I think I made my point.