 TITLE: High Debt and Cost of Living Haven’t Hurt Hawaii’s Credit Scores CONTENT: Hawaii's Average FICO® Scores Reflect Consumers' Relationship With Debt\n-----------------------------------------------------------------------\nThe fact that Hawaiians have the second-highest total average debt in the country and still maintain the seventh-highest average FICO® Score is no surprise, especially when you look at their relationship with debt. They have the highest overall limits—which means they can spend more without penalty—and they have the second-lowest delinquency ratio—which means they are repaying their debt better than nearly anyone in the country.\nThese two aspects of your credit—having a high overall credit limit and paying your bills on time—can be extremely helpful in having a good credit score. Hawaiians, with their average of 723, are an example of how this can work even in the face of a high cost of living. END