Cities with Worst and Best 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

Rank Metropolitan area State Average
VantageScore 3.0
Average number
of open credit cards
1 MINNEAPOLIS-ST. PAUL MN 702 3.48
2 SIOUX FALLS (MITCHELL) SD 700 3.05
3 DULUTH-SUPERIOR MN, WI 697 3.19
4 FARGO-VALLEY CITY ND, MN 697 3.31
5 GREEN BAY-APPLETON WI 697 3.26
6 CEDAR RAPIDS-WTRLO-IWC-DUB IA 697 3.23
7 MADISON WI 694 3.23
8 BOSTON (MANCHESTER) MA, NH 694 3.60
9 LA CROSSE-EAU CLAIRE WI 692 3.13
10 BURLINGTON-PLATTSBURGH VT, NY, NH 691 3.06
11 LINCOLN – HASTINGS-KRNY NE 690 3.25
12 JOHNSTOWN-ALTOONA PA 689 3.30
13 SAN FRANCISCO-OAK-SAN JOSE CA 689 3.40
14 PEORIA-BLOOMINGTON IL 689 3.49
15 PITTSBURGH PA 688 3.65
16 PORTLAND-AUBURN ME, NH 687 3.08
17 HONOLULU HI 687 3.24
18 HARRISBURG-LNCSTR-LEB-YORK PA 685 3.50
19 ALBANY-SCHENECTADY-TROY NY 685 3.46
20 HARTFORD – NEW HAVEN CT 683 3.59

Cities with the worst credit

Rank Metropolitan area State Average
VantageScore 3.0
Average number
of open credit cards
1 HARLINGEN-WSLCO-BRNSVL-MCA TX 628 2.81
2 LAS VEGAS NV 628 3.03
3 JACKSON, MS MS 629 2.29
4 FLORENCE-MYRTLE BEACH SC 633 2.72
5 BAKERSFIELD CA 634 2.87
6 AUGUSTA GA, SC 635 2.66
7 COLUMBUS-TUPELO-WEST POINT MS, AL 635 2.38
8 SHREVEPORT LA, TX, AR, OK 635 2.34
9 SAVANNAH GA, SC 637 2.77
10 MEMPHIS TN 637 2.64
11 FRESNO-VISALIA CA 639 2.82
12 COLUMBUS, GA GA 639 2.67
13 MONROE-EL DORADO LA, AR 639 2.39
14 MACON GA 640 2.68
15 TYLER-LONGVIEW(LFKN-NCGD) TX 641 2.78
16 MONTGOMERY (SELMA) AL 641 2.70
17 TALLAHASSEE-THOMASVILLE FL, GA 642 2.54
18 CORPUS CHRISTI TX 642 2.75
19 EL PASO TX 644 2.99
20 AMARILLO TX 644 2.75

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

Source: creditabsolute.com