 The study took into account six key metrics ranging from the percentage of residents who have filed a dispute with a creditor to the percentage of frozen credit reports and active bankruptcies. Mississippi, Alabama, and Louisiana were identified as the worst states, while Hawaii, Iowa, and Vermont were the best states. That's Sherlock News Now, I'm John Roger. Stepping onto the boat, pushing off from the dock, tying on the perfect bait, and casting a line.