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Cities with Worst and Best Credit Scores

Top 20 Best & Worst Cities for Credit Scores

Having a high credit score is extremely important in today’s financial world and is used by dozens of industries to determine whether you’re a risk to them or not. Credit scores are checked for hiring, renting, buying, and even when dating. We all understand how important credit scores are and, while where you live isn’t necessarily going to affect your credit score, we’ve decided to put together a list of top 20 cities with the best credit scores and the worst credit scores below.

While it’s unlikely that any location will have a direct impact on your credit score, you may want to consider that in some cities the average household is more financially stable than in other cities. If we look at the city with the highest average credit score, for instance, Minneapolis-St. Paul has an average median income of almost $70,000/year where as a city like Shreveport with a much lower average credit score, has a median income of only $42,157. So, it’s very possible that the higher incomes directly affected the credit scores as card holders were more financial stable.

Cities with the best credit

RankMetropolitan areaStateAverage
VantageScore 3.0
Average number
of open credit cards
1MINNEAPOLIS-ST. PAULMN7023.48
2SIOUX FALLS (MITCHELL)SD7003.05
3DULUTH-SUPERIORMN, WI6973.19
4FARGO-VALLEY CITYND, MN6973.31
5GREEN BAY-APPLETONWI6973.26
6CEDAR RAPIDS-WTRLO-IWC-DUBIA6973.23
7MADISONWI6943.23
8BOSTON (MANCHESTER)MA, NH6943.60
9LA CROSSE-EAU CLAIREWI6923.13
10BURLINGTON-PLATTSBURGHVT, NY, NH6913.06
11LINCOLN – HASTINGS-KRNYNE6903.25
12JOHNSTOWN-ALTOONAPA6893.30
13SAN FRANCISCO-OAK-SAN JOSECA6893.40
14PEORIA-BLOOMINGTONIL6893.49
15PITTSBURGHPA6883.65
16PORTLAND-AUBURNME, NH6873.08
17HONOLULUHI6873.24
18HARRISBURG-LNCSTR-LEB-YORKPA6853.50
19ALBANY-SCHENECTADY-TROYNY6853.46
20HARTFORD – NEW HAVENCT6833.59

Cities with the worst credit

RankMetropolitan areaStateAverage
VantageScore 3.0
Average number
of open credit cards
1HARLINGEN-WSLCO-BRNSVL-MCATX6282.81
2LAS VEGASNV6283.03
3JACKSON, MSMS6292.29
4FLORENCE-MYRTLE BEACHSC6332.72
5BAKERSFIELDCA6342.87
6AUGUSTAGA, SC6352.66
7COLUMBUS-TUPELO-WEST POINTMS, AL6352.38
8SHREVEPORTLA, TX, AR, OK6352.34
9SAVANNAHGA, SC6372.77
10MEMPHISTN6372.64
11FRESNO-VISALIACA6392.82
12COLUMBUS, GAGA6392.67
13MONROE-EL DORADOLA, AR6392.39
14MACONGA6402.68
15TYLER-LONGVIEW(LFKN-NCGD)TX6412.78
16MONTGOMERY (SELMA)AL6412.70
17TALLAHASSEE-THOMASVILLEFL, GA6422.54
18CORPUS CHRISTITX6422.75
19EL PASOTX6442.99
20AMARILLOTX6442.75

 

Credit score and open credit card data are from Experian. We analyzed 143 of the largest U.S. metropolitan areas.

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