The nation's consumer credit score improved over the past year, with fewer people at risk of default.According to the latest Veda Australian Credit Scorecard, the average VedaScore of "credit active" consumers has increased from 760 last year to 771 now.VedaScore uses credit reports and other data to give consumer a rating between zero and 1200, with a high score indicating greater creditworthiness. Veda found that more people have checked their credit scores in the past year, indicating that that online services GetCreditScore and CreditSavvy are having an impact.However, 71 per cent of people reported that they had never checked their credit history.With the overall rise in credit scores, the proportion of people at risk of default has fallen - down to 12 per cent from 15 per cent in 2013 and 13 per cent last year.Veda spokesperson Belinda Diprose said there was a growing awareness that a good credit score could help consumers get a better rate on personal finance. New entrants into the personal finance market, such as SocietyOne, are using credit scores to price for risk.Credit scores were highest in Tasmania (where the average was 783), Western Australia (781) and the Australian Capital Territory (781). They were lowest in the Northern Territory (752) and Queensland (761).Women have better scores than men - an average of 778 for women compared with an average of 766 for men.Millennials are at greatest risk if financial trouble, at 18 per cent, compared with Gen X (13 per cent) and Baby Boomers (six per cent).