December 7th, 2010

Congrats Comcast Users, Your Credit Score Is Awesome. Boo, Yahoo.

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email infographic

Just kidding Yahoo users, we do love you.

But we’ve said it before, and we’ll say it again: your email provider could reveal more about you and your finances than you thought possible.

Earlier this year, we received volumes of comments and feedback on our last What Does Your Email Provider Say About You. Today, we introduce the updated October edition. To set the record straight right away, our new infographic is not saying that your awesome credit made you favor Gmail over MSN. Or that having a Yahoo domain will kill your credit score.

When we categorized consumers’ credit information according to email domain, there is a story to pluck out of the numbers. These are credit trends based on averages amongst a sample size of 296,850 Credit Karma users. Keep in mind, this is not a scientific breakdown – this is an intriguing look at fun data we wanted to share with you!

What we know for certain is that peers within a credit range don’t necessarily gravitate towards certain email domains. It’s more likely that certain demographics share commonalities that include factors like financial data and email domains. Here are some insights into the relationships we saw.

5 ideas that may make sense of these bizarre and interesting stats

  1. Just to be perfectly clear: credit scores and email do not have a causal relationship. Comcast users could have poor credit and Yahoo users could have great credit; or maybe you can just wipe your credit slate clean with one of those newfangled Facebook email-like messaging accounts instead. Bottomline, these are interesting correlations caused by a number of factors, but not necessarily predictive.
  2. Age could play a big part in this. Gmail users have the youngest average age, 33, and younger consumers tend to have less access to credit and carry more debt. That could explain why Gmail users have the greatest student debt, highest mortgage debt, as well as the lowest credit limit.
  3. AOL and Comcast tend to cater to an older crowd (remember AOL’s CD trials back in the 90’s?). Older consumers tend to have higher credit scores not just because of more access to credit, but because they have longer credit history (one of the biggest drivers in high credit score ranges).
  4. Those with certain email domains may have signed up there due to a demographic skew. For example, Comcast users are those who signed up for Comcast services, which suggests they are affluent enough to pay for those services.
  5. It’s human nature to categorize, make sense of things, and want to figure stuff out. This is meant to be a fun look at your fellow Gmail, Yahoo!, MSN, Comcast, and AOL users. Don’t take the numbers too seriously. However, DO take your credit score seriously. Lenders could care less if you switch domains, buzz on Gmail, update your AOL, or abandon email altogether. So take care of your credit score and it will take care of you.

It’s time for the fun stuff. Here’s our October edition infographic on how users of the most popular email providers stack up (click image for full view):

email infographic

Share your thought on what you think about our infographic in the comments below!

Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.

6 Comments

  1. As you’ve pointed out, I would be very hesitant to read any causational nature from this data. I’ll bet there is a very large percentage of people here that used a throwaway Yahoo address when signing up but use something else like Gmail for personal mail. Or do you just assume that whatever email address was used is the person’s primary email address?

    Matt B. at 1:45 pm on December 10, 2010
  2. I also think that it’s difficult to draw any type of relationship between credit worthiness and e-mail addresses. Many people have multiple e-mail addresses and use them for different reasons. For example, I have a yahoo, g-mail, and msn account. I use one for important e-mail sign ups, professional opportunities, and banking, one solely for personal mail (so I don’t get ANY spam there), and one for less important junk mail/online shopping.

    Rio at 6:48 pm on December 18, 2010
  3. Make no sense. I havre Gmail, comcast and yahoo

    Jae at 2:30 pm on December 27, 2010

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