Does Using Yahoo Mail Lower Your Credit Score?

Yahoo Mail just announced its first redesign in five years and almost no one in the tech community noticed for about 20 hours. Aol Mail went down last week without making a sound. Imagine the echo chamber uproar if this had happened to Gmail …

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

People with low credit scores according to Credit Karma. Those of you who get “correlation versus causation” understand that what’s evidenced in the above chart doesn’t mean that changing your to a or an will make your score dip, just that for one reason or another people using Yahoo Mail tend to score lower.

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.”

Hmm … Let’s take a look at the demographics of Yahoo and Aol Mail on comScore.

Yahoo definitely has the most users at 94.6 million uniques a month, and in terms of user age, Aol Mail skews most heavily toward the 65+ age range (!), while Yahoo skews 35-44, Hotmail 25-34 and Gmail 25-34.

While a comScore skew doesn’t necessarily mean a majority of users, it does indicate a demographic segment over or underrepresented relative to the percentage of total Internet users (comScore measures this index as a  % of visitors to site / % of visitors for total Internet x 100).

In terms of household income, Yahoo Mail users are skewing towards the under $15k income bracket when compared to the rest of the Internet, even though it looks like a majority of its users are in the $40K to $60K range.

The fact that people who make less money (because they’re students or other people with no income) are overrepresented on Yahoo might shed a some light on those lower credit scores.

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