New Transunion data shows that the areas with the highest concentration of high credit scores include New England, Northern California, and Honolulu.

On the flip side of the equation, the entire Southeastern United States -- up to and including Texas -- has the highest concentrations of low credit scores.

So much of how we handle credit is cultural, if you will. But where you live does not have to be your destiny when it comes to your credit.

If you're suffering from poor credit, there are several surefire ways to get your credit healthy again. Follow these tips and you'll be well on your way.

• Always pay your bills on time and pay down the total amount you owe.
  (accounts for 35 percent of your score)
  If you forget all else after reading this, remember this one! This is the single most important rule for having a good credit score.
  
  
•  Keep a low credit utilization rate.
  (accounts for 30 percent of your score)
  Let's say you have a credit card with a $10,000 limit. If you're carrying a balance month-to-month of $3,000, you're only using 30 percent of the total limit. But if your credit limit is suddenly dropped to $3,000, then suddenly you're using 100 percent of what's available to you. That's yet another reason to always pay down credit card debt as quickly as possible. You always want to stay at credit utilization of 30 percent or less.
  
  
• When you pay off a credit card, don't close the account.
  (accounts for 15 percent of your score)
  Doing so only reduces your available credit and drives your score down. You want to have between four to six lines of credit. Be sure to use them twice a year -- even if it's just for a dollar store purchase -- and pay them off right away. That will keep them active in your credit mix.
  
  If you're facing a huge new annual fee on a card that has a zero balance, try "leapfrogging." That's my term for using the 45-day window you have before any new terms of service go into effect to shop around. So once you get notice about a new annual fee, start looking around for other no-fee credit cards. Submit your application and once you get your new no-fee card, then go ahead and shut down the original one that wanted to spring a fee on you.

The remaining 20% of your credit score is comprised of what types of credit make up your credit mix (10%) and how much new credit you have in your life and how quickly you took it on (10%).