2017'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 numerical representation of your financial habits. And it tends to speak volumes, most important of which is 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 when it comes to paying your bills or knowing when to keep your plastic in your pocket?
WalletHub’s analysts compared the average credit scores of residents in 2,572 U.S. cities to give credit where credit is literally and figuratively due. Scroll down to find out where Americans live by example and how we ranked the cities. Plus, get invaluable credit wisdom from seasoned money experts.
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.
Cities with the Highest & Lowest Credit Scores
|Rank||Percentile Rank*||City||Credit Score|
Ask the Experts
Improving one’s credit score is a different process for everyone, depending on one’s circumstances and spending habits. For advice on doing so and insight into faulty consumer thinking, we asked a panel of experts to share their thoughts. 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 his or her 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’s analysts compared the average credit scores of residents in each of 2,572 U.S. cities as of October 2016, 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.