The annual list of best and worst states for credit conditions is based on an analysis of the unemployment rate, bankruptcy rate, foreclosure rate, average credit score and credit card delinquency rate of each state.

Going from best to worst, here is how all 50 U.S. states ranked for 2013:

1. North Dakota
2. South Dakota
3. Vermont
4. Montana
5. Iowa
6. Nebraska
7. Hawaii
8. Minnesota
9. Wyoming
10. New Hampshire
11. Alaska
12. Massachusetts
13. Virginia
14. Kansas
15. (tie) Idaho
15. (tie) Utah
17. Maine
18. West Virginia
19. Pennsylvania
20. New York
21. Oregon
22. (tie) New Mexico
22. (tie) Texas
24. (tie) Connecticut
24. (tie) Wisconsin
26. Washington
27. Oklahoma
28. Missouri
29. Colorado
30. Rhode Island
31. New Jersey
32. North Carolina
33. (tie) Kentucky
33. (tie) Ohio
35. (tie) Delaware
35. (tie) Maryland
37. Michigan
38. South Carolina
39. Louisiana
40. California
41. Arkansas
42. Arizona
43. Mississippi
44. Illinois
45. Alabama
46. Florida
47. (tie) Indiana
47. (tie) Tennessee
49. Georgia
50. Nevada

Read the full analysis and see the top 10 and bottom 10 states and why they ranked this way.