What your e-mail address says about your credit score

E-mail addresses can tell people a lot about you.

Your username, or what's in front of the @ symbol can tell potential employers, dates and associates about your political affiliations, year of birth, what school you went to and even your affinity for elf culture.

Did you know that what comes after the @ sign can be more revealing than your cleverly chosen username?


A new trend report published by Credit Karma ranks e-mail domains by the average credit score of Credit Karma users. The data shows that BellSouth and Comcast users have the highest ratings, perhaps because they come with a paid Internet service.

Gmail comes in third, leading the pack of free e-mail services with an average credit score of 681, which is close to the average credit score for 45-54-year-olds and the average credit score for California, Oregon and Washington state.

On the other side of the credit score chasm are e-mail users from Yahoo (640), Hotmail (660) and AOL (660) who share their average credit score with a younger crowd. Yahoo users' low 640 average credit score is in line with the average score for 18-24 age range with Hotmail and AOL users' average score matching that of 35-44 year-olds in a survey of average credit score by age at Credit Karma.

These similarities do not mean that these age groups are representative of the domain, simply that they share an average score. As Mashable notes, it is more likely that younger users favor e-mail addresses like Yahoo, AOL and Hotmail for the messaging services which are attached to them and their low credit scores bring down the average.

So what does this mean for all of you Yahoo, Hotmail and AOL users? Probably not a whole lot.

As Credit Karma points out, "Certainly switching e-mail providers will not increase or decrease your credit score."

It's far more likely that the 80% of singles who are more selective about who they date will judge you based on your e-mail address than a bank or employer will. Take note singles; if you're looking for a creditworthy catch you may want to ask for their e-mail instead of their phone number.

Increase your money and finance knowledge from home

Building Credit from Scratch

Start building credit...now.

View Course »

Intro to different retirement accounts

What does it mean to have a 401(k)? IRA?

View Course »

Add a Comment

*0 / 3000 Character Maximum