10 best states to live in with a bad credit score

It's no fun having a bad credit score. You pay higher interest rates for your credit – if you can get credit at all. You have little room for financial error. A small, unexpected bill can cause big problems.

At least your hardships may not be as bad if you live in certain states.

RewardExpert, a site that helps users optimize credit and debit card reward programs, examined factors that affect residents with poor credit – such as typical expenses, usury laws to limit predatory lending, and the status of debt collectors – and how those factors vary in each state.

Where is bad credit more tolerable? Consumers with bad credit should avoid the coasts and stick to the Midwest – not surprising, given the typically high costs of living in coastal areas.

Here are the top ten states to live in when your credit score is low.

If you are struggling with debt in one of these states, remember that things could be worse – you could be living in one of the ten worst states for bad credit.

Regardless of where you live, take steps to improve your credit score. Pay all your bills on time and control your spending to keep your debt load down. When you have bad credit, it's imperative to keep your balance down and patiently chip away at debt with on-time payments. Your credit score will improve – eventually.

You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips.

Originally Posted at: 10 Best States To Live In With A Bad Credit Score