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Credit Sesame recently put together a study that compared the credit profiles of men and women. We wondered which gender has better credit and why.

The analysis was gathered from a subset of our 7 million Credit Sesame members across the nation, and we analyzed credit scores, overall debt loads, credit limits, collection accounts, and where these men and women reside.

[Related: Why Do Women Have Lower Credit Scores Than Men?]

Here are some highlights from the data

Men have higher credit scores than women overall. One possible explanation is that men make more money. Nearly one in five, or 18% of women in this analysis, reported earning $75,000 or more annually, compared with 23% of men.


The credit discrepancy widens with age. Though men have higher credit scores across all age groups, the gap is largest among those 65 and older, where men maintain a 15 point advantage.

Credit card debt

Men carry more credit card debt than women, with an average balance of $3,854. But because their credit limits are higher, they are using less of their available credit.

Collection accounts

Women are more likely to have five or more collection accounts than men, which can cause a significant drop in a consumer’s credit score. In states including Nevada, Montana and West Virginia, nearly one third of women and over 20% of men have five or more collection accounts.

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Published February 9, 2016 Updated: July 27, 2016
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