Does Using Yahoo Mail Lower Your Credit Score?

Alexia Tsotsis

Alexia Tsotsis is the co-editor of TechCrunch. She attended the University of Southern California in Los Angeles, CA, majoring in Writing and Art, and moved to New York City shortly after graduation to work in the media industry. After four years of living in New York and attending courses at New York University, she returned to Los Angeles in... → Learn More

Tuesday, October 26th, 2010

Yahoo Mail just announced its first redesign in five years and it took the tech community 20 hours to notice. Meanwhile Aol Mail went down last week without making a sound. Imagine the echo chamber uproar if either had happened to Gmail.

So if we’re not using Aol and Yahoo, who is?

People with low credit scores according to Credit Karma. While the above chart doesn’t mean that changing your @gmail.com address to a @yahoo.com or an @aol.com will actually lower your score, it is showing that for one reason or another people that who use Yahoo Mail tend to score lower on their FICO analysis.

From Credit Karma:

“Certainly switching email providers will not increase or decrease your credit score. It’s more the case that people with a certain score have a greater likeliness to use a particular email provider. Why this happens is probably due to some demographic skew which then carries to the email domain.”

Of all the mail service providers, Yahoo definitely has the most users at 94.6 million uniques a month. In terms of user age, our parent company Aol’s Aol Mail skews most heavily toward the 65+ age range (!), while Yahoo skews between 35-44, Hotmail 25-34 and Gmail the same at 25-34 according to comScore.

In terms of household income, Yahoo Mail users are skewing towards the under $15k income bracket when compared to the rest of the Internet, despite the fact that a majority of users are in the $40K to $60K range.

Perhaps the fact that people who make less money (because they’re students or other people with no income) are overrepresented on dominant email provider Yahoo Mail might shed some light on the Credit Karma statistics?

In any case, you can add this to the pile of  “What Your Email Address Says About You” posts. And, in this case, it says you’ve got bad credit.

Company: Yahoo!
Website: yahoo.com
Launch Date: January 1, 1994
IPO: December 4, 1996, Nasdaq:YHOO

Yahoo was founded in 1994 by Stanford Ph.D. students David Filo and Jerry Yang. It has since evolved into a major internet brand with search, content verticals, and other web services. Yahoo! Inc. (Yahoo!), incorporated in 1995, is a global Internet brand. To users, the Company provides owned and operated online properties and services (Yahoo! Properties, Offerings, or Owned and Operated sites). Yahoo! also extends its marketing platform and access to Internet users beyond Yahoo! Properties through its distribution network...

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Company: AOL
Website: aol.com
Launch Date: May 24, 1985
IPO: April 12, 2009, NYSE:AOL

AOL is a global advertising-supported Web company, with display advertising network in the U.S., a substantial worldwide audience, and a suite of popular Web brands and products. The company’s strategy focuses on increasing the scale and sophistication of its advertising platform and growing the size and engagement of its global online audience through leading products and programming. History of Aol: AOL was founded in the early 1980’s as Control Video Corp, with an online service, Gameline, for the Atari 2600 console. ...

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