2019’s Cities with the Highest & Lowest Credit Scores
If you’ve ever applied for a loan or credit card, you know that your credit score is more than just a three-digit number: it’s a representation of your financial habits. And it tends to speak volumes, especially about how well you manage your debts.
But have you ever wondered how well your neighbors, your coworkers or perhaps your local Starbucks barista handle their finances? Are they as responsible – or irresponsible – as you are when it comes to paying bills or knowing when to use or refrain from using a credit card?
WalletHub compared the median credit scores of residents in 2,572 U.S. cities to give credit where credit is literally and figuratively due. Read on for the results, credit advice from a panel of experts and a full description of our methodology.
Curious to know how your own score compares with that of the average Jane or Joe in your town? Join the WalletHub community to access your free credit score and report, updated daily.
ranks in the top of cities with the highest credit scores.
|Rank||Percentile Rank*||City||Credit Score|
Cities with the Highest & Lowest Credit Scores
|Percentile Rank*||City||Median Credit Score|
Percentile Ranking by City Size
|Percentile||Large City||Percentile||Midsize City||Percentile||Small City|
Ask the Experts
Improving one’s credit score is a different process for everyone, depending both on circumstances and spending habits. For advice on how to start, we turned to a panel of experts. Click on the experts’ profiles to read their bios and responses to the following key questions:
- What tips do you have for a person trying to increase their credit score in a short amount of time?
- What are some commonly held misconceptions about how credit scores are calculated?
- What are the most common mistakes people make when trying to improve their credit score?
- What is the best way for a young person to build credit
In order to identify the cities with the highest and lowest credit scores, WalletHub compared the median credit scores of residents in each of 2,572 U.S. cities as of September 2018, based on TransUnion data. A rank of “1” corresponds with the city with the highest credit score. In determining our sample, we considered only the city proper in each case and excluded cities in the surrounding metro area. We categorized each city according to the following population sizes:
- Large cities: More than 300,000 people
- Midsize cities: 100,000 to 300,000 people
- Small cities: Fewer than 100,000 people