Credit scoring companies are getting so nit picky that now they judge you based on where you live.

CardRatings.com now considers the state you live in as part of your credit score.  One of the states that can make your rating go down is Idaho.  Curtis Arnold, founder of CardRatings.com, says Idaho scores low because of high unemployment and high bankruptcy/foreclosure rates.

A low credit score for your state doesn’t just affect your rating, but the credit ratings of your local banks.  This makes it harder for local financial institutions to get major loans from national banks, which in turn makes it harder for them to issue local loans.

Which state can make your credit score go up the most?  Oil rich North Dakota.