In other words, for anyone using internet standards, sending an email was simply a matter of nominating [email protected] Unfortunately, on March 5th 2016, Tomlinson passed away at the age of 74. Tomlinson, who never became a billionaire or household name, laid the foundation for one of the most powerful tools in existence.
Fast forward to 1993, Phillip Hallam-Baker developed and implemented the first Web Mail system. As the 1990s progressed, and into the 2000s, the general public gained access to webmail. Webmail service providers such as Hotmail and RocketMail offered free email services to anyone. In 2004, Paul Buchheit launched the invitation-only beta version of Gmail. Today, there are a host of popular email domains including Gmail, Outlook, Comcast, Yahoo, iCloud, MSN, Verizon, and AOL.
At LendEDU, we know very little about internet standards, webmail, and email. However, we do know quite a bit about consumer credit and student debt. In honor of Ray Tomlinson, one of our employees thought it would be interesting to compare the creditworthiness of individuals with certain email domains.
We analyzed the aggregate data from thousands users at LendEDU. Our goal was to find out which email providers have users with the best and worst credit scores. For reference, the average FICO credit score in the United States.
>> Read More: What is a good credit score?
Here is the data:
At LendEDU, our primary business is student loan refinancing. So, we thought it would be interesting to compare the amount of student loan debt for individuals with certain email domains.
Here is the data:
Our user base tends to be a little more creditworthy on average, but the overall data is close.
We found it surprising that Outlook users have a significantly lower credit score (675) on average. In contrast, Comcast users have a significantly higher credit score (737) on average.
Also surprising, Outlook users appear to have the highest average amount ($56,319) of student loan debt. iCloud users appear to have the lowest average amount ($33,690) of student loan debt. And, Comcast users appear to have the second lowest average amount ($38,222) of student loan debt.
Unlike most of our surveys, this survey does not have a strong takeaway. Although, some evidence has found that more intelligent people appear to be better at managing their credit than less intelligent people appear to be. In other words, Outlook and Yahoo users could be considered far less intelligent than Gmail users.