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U.S. Cities with the Best & Worst

Credit Scores
 Category: Credit Scores (https://lendedu.com/blog/category/credit-scores/)

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Mike Brown
Updated: August 31, 2018
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A simple three digit number can tell a whole lot about a person’s monetary situation.

Your credit score can have a tremendous impact on your purchasing power and nancial
reputation. For those who do not know, a credit score is a numerical expression that
represents the overall creditworthiness of an individual. In short, it's important.

A wide range of nancial institutions and organizations use a people's credit scores to
evaluate the risks of conducting business with them. For example, a bank or credit card
company would pull a credit score to evaluate an individual's history with making credit
card or student loan payments .

Learn More (https://go.lendedu.com/secure/77/460/card/button/learn_more)

on Self Lender's secure site

Build credit while you save. No credit score required!

With a small initial fee and a xed monthly fee, you can build your credit history
with all 3 credit bureaus and earn your savings plus interest after 12 months.
Additionally, insurance companies, landlords, and government organizations will
examine credit scores before doing business with other parties. The "better" your score is,
the better your chances are of being approved for whatever you are trying to do.

How is your credit score calculated? 

The FICO score has been the traditional scoring method used by credit bureaus for
decades. However, the VantageScore 3.0®1 model has become popular
recently. VantageScore 3.0® evaluates a person’s credit score by looking at a number of
factors including the consumer’s recent credit debt, the consumer’s payment history,
and the utilization of the consumer’s current credit.

LendEDU thought it would be interesting to look at credit scores on a broader scale.

Using Experian’s Premier Aggregated Credit StatisticsSM, as well as Onboard Informatics
location data, LendEDU created a comprehensive report detailing the average credit
scores for cities and towns throughout the United States.

LendEDU put together a ranking of the 500 American cities that have the best average
credit scores (https://lendedu.com/blog/what-is-a-good-credit-score/). Also included was
a list of the 500 cities in the U.S. where credit scores are the worst. Additionally, LendEDU
has ranked the 100 most populous U.S. cities based on their respective average credit
score.

Using the VantageScore 3.0® scoring method, Experian calculated the average credit
scores that were featured on all three lists. To be considered, a town or city had to have a
population greater than 20,000.

LendEDU’s lists will show you the 500 cities in the United States that are most
creditworthy and whose residents are the most nancially secure. On the other end, you
can also see the 500 American cities where residents are struggling the most scally.
And, you can also see how the United States' largest cities stack up against each other
nancially.

Below, you can nd the complete rankings for LendEDU’s “U.S. Cities With the Best and
Worst Credit Scores” report.

500 Cities With the Best Credit Scores

Rank City State Cre
1 The Villages Florida
2 Sun City West Arizona
3 Green Valley Arizona
4 Saratoga California
5 Los Altos California
6 Needham Massachusetts
7 L i t M h tt
7 Lexington Massachusetts
8 Pittsford New York
9 Princeton Junction New Jersey
10 Potomac Maryland
11 Mequon Wisconsin
12 Chester eld Missouri
13 Cupertino California
14 Brook eld Wisconsin
15 Verona Wisconsin
16 Westford Massachusetts
17 Winchester Massachusetts
18 Basking Ridge New Jersey
19 Colleyville Texas
20 Sun City Center Florida
21 Mercer Island Washington
22 Northbrook Illinois
23 Wilmette Illinois
24 Wexford Pennsylvania
25 Sammamish Washington
26 Chanhassen Minnesota
27 Minnetonka Minnesota
28 Scarsdale New York
29 East Amherst New York
30 San Carlos California
31 Acton Massachusetts
32 Maple Grove Minnesota
33 Palos Verdes Peninsula California
34 West eld New Jersey
35 Hudson Ohio
36 Barrington Illinois
37 Lafayette California
38 Byron Center Michigan
39 Deer eld Illinois
40 La Canada Flintridge California
41 New Berlin Wisconsin
42 Southlake Texas
43 Livingston New Jersey
44 Muskego Wisconsin
45 Belmont Massachusetts
46 Lake Forest Illinois
47 Arlington Massachusetts
8 k i h lli i
48 Lake Zurich Illinois
49 Libertyville Illinois
50 Danville California
51 Estero Florida
52 Menomonee Falls Wisconsin
53 Evergreen Colorado
54 Middleton Wisconsin
55 Bainbridge Island Washington
56 Highland Park Illinois
57 Bethesda Maryland
58 Zionsville Indiana
59 Plainview New York
60 Rancho Palos Verdes California
61 Gibsonia Pennsylvania
62 Hingham Massachusetts
63 Vienna Virginia
64 Powell Ohio
65 Syosset New York
66 Andover Massachusetts
67 Garden City New York
68 Los Gatos California
69 Chevy Chase Maryland
70 Pen eld New York
71 Reading Massachusetts
72 Manhattan Beach California
73 Brentwood Tennessee
74 Lutherville Timonium Maryland
75 Germantown Tennessee
76 Louisville Colorado
77 Mill Valley California
78 Park Ridge Illinois
79 Darien Connecticut
80 Sewickley Pennsylvania
81 Carmel Indiana
82 Avon Ohio
83 Chestnut Hill Massachusetts
84 Huntley Illinois
85 Wayne Pennsylvania
86 Johnston Iowa
87 Chagrin Falls Ohio
88 Northville Michigan
89 Burlingame California
90 Bridgewater New Jersey
91 Newtown Pennsylvania
92 Bedford New Hampshire
93 Belmont California
94 Monument Colorado
95 Glenview Illinois
96 Geneva Illinois
97 Ridgewood New Jersey
98 Pewaukee Wisconsin
99 Paci c Palisades California
100 Monroe Township New Jersey
101 Franklin Wisconsin
102 Little Neck New York
103 Fairport New York
104 Bloom eld Hills Michigan
105 Westport Connecticut
106 Mc Lean Virginia
107 Allison Park Pennsylvania
108 Great Neck New York
109 Eden Prairie Minnesota
110 Redmond Washington
111 Morganville New Jersey
112 Pleasanton California
113 Granite Bay California
114 Buffalo Grove Illinois
115 Hudsonville Michigan
116 Cranberry Township Pennsylvania
117 San Ramon California
118 Glastonbury Connecticut
119 Independence Ohio
120 Saline Michigan
121 New Hyde Park New York
122 Erie Colorado
123 Ridge eld Connecticut
124 Stillwater Minnesota
125 Hartland Wisconsin
126 Solon Ohio
127 Collegeville Pennsylvania
128 Ellicott City Maryland
129 Lady Lake Florida
130 Issaquah Washington
131 Natick Massachusetts
132 Cheshire Connecticut
133 Millbrae California
134 Northport New York
135 Menlo Park California
136 Paramus New Jersey
137 Guilford Connecticut
138 Lemont Illinois
139 Chelmsford Massachusetts
140 Darien Illinois
141 Woodinville Washington
142 Elmhurst Illinois
143 Ambler Pennsylvania
144 Mahwah New Jersey
145 Lake Oswego Oregon
146 Homer Glen Illinois
147 Merrick New York
148 Massapequa Park New York
149 Cranford New Jersey
150 Melville New York
151 Brookline Massachusetts
152 Mountain View California
153 Malvern Pennsylvania
154 Harleysville Pennsylvania
155 New Albany Ohio
156 Huntingdon Valley Pennsylvania
157 Granger Indiana
158 Fountain Hills Arizona
159 Lewes Delaware
160 Randolph New Jersey
161 Hillsborough New Jersey
162 Marblehead Massachusetts
163 Walnut Creek California
164 Lakeville Minnesota
165 Avon Lake Ohio
166 Oakland Gardens New York
167 Westwood New Jersey
168 Burke Virginia
169 Severna Park Maryland
170 Princeton New Jersey
171 El Dorado Hills California
172 Glen Ellyn Illinois
173 Ponte Vedra Beach Florida
174 Birmingham Michigan
175 Ballwin Missouri
176 Orland Park Illinois
177 Webster New York
178 Prior Lake Minnesota
179 Albany California
180 Bellevue Washington
181 Doylestown Pennsylvania
182 Chalfont Pennsylvania
183 Plymouth Michigan
184 Arlington Heights Illinois
185 Caldwell New Jersey
186 Bryn Mawr Pennsylvania
187 Springboro Ohio
188 Dublin California
189 De Pere Wisconsin
190 Eagle Idaho
191 Lititz Pennsylvania
192 Warrington Pennsylvania
193 Andover Minnesota
194 New City New York
195 Yorktown Heights New York
196 Venice Florida
197 Wheaton Illinois
198 Wantagh New York
199 Commack New York
200 Sequim Washington
201 Westlake Village California
202 Sunnyvale California
203 Forest Hills New York
204 North Wales Pennsylvania
205 Hugo Minnesota
206 Savage Minnesota
207 North eld Minnesota
208 South Windsor Connecticut
209 Burlington Massachusetts
210 Southampton Pennsylvania
211 Westlake Ohio
212 Orchard Park New York
213 Summit New Jersey
214 Rocky River Ohio
215 Shrewsbury Massachusetts
216 Can eld Ohio
217 East Brunswick New Jersey
218 Bronxville New York
219 Mason Ohio
220 Mokena Illinois
221 La Jolla California
222 Bethel Park Pennsylvania
223 Strongsville Ohio
224 Trabuco Canyon California
225 Dublin Ohio
226 Vernon Hills Illinois
227 Seal Beach California
228 Chapel Hill North Carolina
229 Hudson Wisconsin
230 Port Washington New York
231 West Linn Oregon
232 Okemos Michigan
233 Osseo Minnesota
234 Cary North Carolina
235 Oconomowoc Wisconsin
236 Flower Mound Texas
237 Lancaster New York
238 Essex Junction Vermont
239 Fair Lawn New Jersey
240 Melrose Massachusetts
241 Olney Maryland
242 Smithtown New York
243 Troy Michigan
244 Yorba Linda California
245 Ankeny Iowa
246 Flemington New Jersey
247 Medford New Jersey
248 Morton Grove Illinois
249 Caledonia Michigan
250 West Chester Pennsylvania
251 East Northport New York
252 Golden Colorado
253 Southington Connecticut
254 Macungie Pennsylvania
255 Littleton Colorado
256 Forest Virginia
257 Lone Tree Colorado
258 Lewis Center Ohio
259 Aurora Ohio
260 Wayne New Jersey
261 Haymarket Virginia
262 Rochester Michigan
263 Ashburn Virginia
264 Scotch Plains New Jersey
265 Anacortes Washington
266 Hoboken New Jersey
267 Urbandale Iowa
268 Palm City Florida
269 Waukee Iowa
270 Wake eld Rhode Island
271 Naperville Illinois
272 Cave Creek Arizona
273 Kenmore Washington
274 Seaford New York
275 Franklin Massachusetts
276 Windsor Colorado
277 Broomall Pennsylvania
278 Sebastopol California
279 El Cerrito California
280 Washington Michigan
281 Boulder Colorado
282 Aptos California
283 Onalaska Wisconsin
284 Spring eld Pennsylvania
285 Wake eld Massachusetts
286 Downingtown Pennsylvania
287 Willowbrook Illinois
288 Encinitas California
289 Whitestone New York
290 Jenison Michigan
291 Davis California
292 Sykesville Maryland
293 Havertown Pennsylvania
294 Kirkland Washington
295 Rockford Michigan
296 North Royalton Ohio
297 Arcadia California
298 Mililani Hawaii
299 Calabasas California
300 Cerritos California
301 Sun City Arizona
302 Kaysville Utah
303 Agoura Hills California
304 Argyle Texas
305 Apex North Carolina
306 Fremont California
307 Media Pennsylvania
308 Wilmington Massachusetts
309 Trumbull Connecticut
310 Floral Park New York
311 South Pasadena California
312 Chantilly Virginia
313 Bayside New York
314 Coppell Texas
315 North Andover Massachusetts
316 Folsom California
317 Walnut California
318 Madison Mississippi
319 Farmington Utah
320 Grand Island New York
321 Porter Ranch California
322 Commerce Township Michigan
323 Edmonds Washington
324 Franklin Tennessee
325 Bellmore New York
326 Parsippany New Jersey
327 Rockaway New Jersey
328 Mukilteo Washington
329 Rocky Hill Connecticut
330 Saint Charles Illinois
331 Carlsbad California
332 Circle Pines Minnesota
333 Rochester Minnesota
334 West Chester Ohio
335 Zeeland Michigan
336 Parker Colorado
337 Rockville Centre New York
338 Moorestown New Jersey
339 Bettendorf Iowa
340 Fair eld Connecticut
341 Huntington New York
342 Frankfort Illinois
343 Champlin Minnesota
344 Watertown Massachusetts
345 Rosemount Minnesota
346 Saint Johns Florida
347 Irwin Pennsylvania
348 Clifton Park New York
349 East Meadow New York
350 Bothell Washington
351 Mechanicsburg Pennsylvania
352 New Lenox Illinois
353 Massapequa New York
354 Saint Joseph Michigan
355 Ann Arbor Michigan
356 South Lyon Michigan
357 North eld Ohio
358 Brighton Michigan
359 Lake Saint Louis Missouri
360 West eld Indiana
361 Laguna Beach California
362 Kennett Square Pennsylvania
363 Milpitas California
364 Arroyo Grande California
365 Vestal New York
366 San Mateo California
367 Bonita Springs Florida
368 Campbell California
369 La Crescenta California
370 Collierville Tennessee
371 West Roxbury Massachusetts
372 Canton Massachusetts
373 Cedar Falls Iowa
374 Langhorne Pennsylvania
375 Fairfax Virginia
 g
376 Grayslake Illinois
377 Warminster Pennsylvania
378 Peachtree City Georgia
379 Sugar Land Texas
380 Novi Michigan
381 Novato California
382 Clarks Summit Pennsylvania
383 Fishers Indiana
384 Camas Washington
385 Uniontown Ohio
386 Coronado California
387 West Bloom eld Michigan
388 Santa Clara California
389 Bismarck North Dakota
390 Englishtown New Jersey
391 Sylvania Ohio
392 Kailua Hawaii
393 La Grange Illinois
394 Jasper Indiana
395 Chapin South Carolina
396 Oceanside New York
397 Grosse Pointe Michigan
398 Park City Utah
399 Redondo Beach California
400 Temple City California
401 Mount Airy Maryland
402 Hummelstown Pennsylvania
403 Latham New York
404 Waxhaw North Carolina
405 Castro Valley California
406 Reston Virginia
407 Macomb Michigan
408 Munster Indiana
409 Chaska Minnesota
410 Kaukauna Wisconsin
411 West Hartford Connecticut
412 Glen Allen Virginia
413 Arlington Virginia
414 Newbury Park California
415 Arnold Maryland
416 Cortlandt Manor New York
 6 Co t a dt a o e o
417 Cambridge Massachusetts
418 Marsh eld Wisconsin
419 Bethpage New York
420 Stoneham Massachusetts
421 Loveland Ohio
422 Phoenixville Pennsylvania
423 Irvine California
424 State College Pennsylvania
425 Morristown New Jersey
426 Canonsburg Pennsylvania
427 Cary Illinois
428 Sparta New Jersey
429 Laguna Niguel California
430 Castle Rock Colorado
431 Fountain Valley California
432 King Of Prussia Pennsylvania
433 Hartford Wisconsin
434 Gig Harbor Washington
435 Alpharetta Georgia
436 Edison New Jersey
437 Maineville Ohio
438 Milton Massachusetts
439 Lansdale Pennsylvania
440 Alexandria Minnesota
441 South Jordan Utah
442 Diamond Bar California
443 Manheim Pennsylvania
444 Broom eld Colorado
445 Bella Vista Arkansas
446 Perkasie Pennsylvania
447 Spring eld Virginia
448 Crestwood Kentucky
449 Milford Michigan
450 Merrimack New Hampshire
451 Mans eld Massachusetts
452 Ladera Ranch California
453 Washington Illinois
454 Sherwood Oregon
455 Exeter New Hampshire
456 Prescott Arizona
457 Westerville Ohio
457 Westerville Ohio
458 Berkeley California
459 Tewksbury Massachusetts
460 Sun Prairie Wisconsin
461 Suffern New York
462 West Islip New York
463 Poway California
464 Clemmons North Carolina
465 West Fargo North Dakota
466 Grandville Michigan
467 Marlton New Jersey
468 Neenah Wisconsin
469 Palo Alto California
470 San Francisco California
471 Paci ca California
472 Dyer Indiana
473 Newington Connecticut
474 Morrisville North Carolina
475 Middletown New Jersey
476 Wethers eld Connecticut
477 Mission Viejo California
478 West Bend Wisconsin
479 Murrells Inlet South Carolina
480 Odessa Florida
481 Canton Michigan
482 Livonia Michigan
483 Mount Prospect Illinois
484 Greenwich Connecticut
485 Elk Grove Village Illinois
486 Lafayette Colorado
487 River Falls Wisconsin
488 Portsmouth New Hampshire
489 Mamaroneck New York
490 Perrysburg Ohio
491 Thousand Oaks California
492 Midlothian Virginia
493 Schererville Indiana
494 Mount Joy Pennsylvania
495 Suwanee Georgia
496 Bozeman Montana
497 Fort Mill South Carolina
498 Gainesville Virginia
 498 Gainesville Virginia
499 Yorktown Virginia
500 Helotes Texas
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500 Cities With the Worst Credit Scores

Rank City State Cred
1 Camden New Jersey
2 Pinon Arizona
3 Chester Pennsylvania
4 Highland Park Michigan
5 Riverdale Illinois
6 Inkster Michigan
7 East Orange New Jersey
8 Detroit Michigan
9 Irvington New Jersey
10 Harvey Illinois
11 Hartford Connecticut
12 Darby Pennsylvania
13 Pontiac Michigan
14 Brooklyn Maryland
15 Gary Indiana
16 Orange New Jersey
17 Belle Glade Florida
18 New Brunswick New Jersey
19 Union City Georgia
20 Riverdale Georgia
21 Forest Park Georgia
22 Suitland Maryland
23 Adelanto California
24 District Heights Maryland
25 Dolton Illinois
26 Elizabethport New Jersey
27 Lancaster Texas
28 Newark New Jersey
29 East Chicago Indiana
30 Maywood Illinois
31 Lithonia Georgia
32 Atlantic City New Jersey
33 Oxon Hill Maryland
34 Mattapan Massachusetts
35 Capitol Heights Maryland
36 Roxbury Massachusetts
37 Benton Harbor Michigan
38 Albany Georgia
39 Greenville Mississippi
40 Quincy Florida
41 Immokalee Florida
42 Jackson Mississippi
43 Flint Michigan
44 Mercedes Texas
45 Paterson New Jersey
46 Miami Gardens Florida
47 Clarksdale Mississippi
48 Jonesboro Georgia
49 Selma Alabama
50 Calumet City Illinois
51 Blytheville Arkansas
52 Greenwood Mississippi
53 Austell Georgia
54 Dorchester Center Massachusetts
55 Yazoo City Mississippi
56 Donna Texas
57 Alice Texas
58 Gwynn Oak Maryland
59 Horn Lake Mississippi
60 Perth Amboy New Jersey
61 Del Valle Texas
62 Opelousas Louisiana
63 Memphis Tennessee
64 Cordele Georgia
65 Norcross Georgia
66 Americus Georgia
67 Hamtramck Michigan
68 North Charleston South Carolina
69 Plain eld New Jersey
70 San Bernardino California
71 Temple Hills Maryland
72 Corcoran California
73 Lawrence Massachusetts
74 Fairburn Georgia
75 Petersburg Virginia
76 Edgewood Maryland
77 Ellenwood Georgia
78 Beeville Texas
79 Maple Heights Ohio
80 Newberry South Carolina
81 Orangeburg South Carolina
82 Madison Tennessee
83 Waterbury Connecticut
84 Stone Mountain Georgia
85 Hephzibah Georgia
86 Morrow Georgia
87 Laurens South Carolina
88 Windsor Mill Maryland
89 Barstow California
90 Opa Locka Florida
91 Spring eld Massachusetts
92 San Benito Texas
93 Monroe Louisiana
94 Eastpointe Michigan
95 Dorchester Massachusetts
96 Darlington South Carolina
97 Edinburg Texas
98 Chicago Heights Illinois
99 Pharr Texas
100 Alamo Texas
101 Sun Valley Nevada
102 Channelview Texas
103 Brownsville Texas
104 Fresno Texas
105 Palatka Florida
106 Alexandria Louisiana
107 Shreveport Louisiana
108 Texas City Texas
109 Rossville Georgia
110 Canton Mississippi
111 West Memphis Arkansas
112 Tarboro North Carolina
113 Gaffney South Carolina
114 Baltimore Maryland
115 Mccomb Mississippi
116 Mount Morris Michigan
117 El Mirage Arizona
118 Robstown Texas
119 Walterboro South Carolina
120 Talladega Alabama
121 Marshall Texas
122 San Juan Texas
123 East Saint Louis Illinois
124 Hobbs New Mexico
125 Gri n Georgia
126 Victorville California
127 Park Forest Illinois
128 Haltom City Texas
129 Kansas City Kansas
130 Clarkston Georgia
131 Laredo Texas
132 Hyattsville Maryland
133 Lithia Springs Georgia
134 Mount Vernon New York
135 Euclid Ohio
136 Bastrop Louisiana
137 Odessa Texas
138 Grandview Missouri
139 Riverdale Maryland
140 Tolleson Arizona
141 Augusta Georgia
142 New Haven Connecticut
143 Upper Darby Pennsylvania
144 Montgomery Alabama
145 Covington Georgia
146 Waianae Hawaii
147 Homestead Florida
148 Portsmouth Virginia
149 Fort Hood Texas
150 Westwego Louisiana
151 Bessemer Alabama
152 Daytona Beach Florida
153 Hampton Georgia
154 Henderson North Carolina
155 Killeen Texas
156 Macon Georgia
157 Far Rockaway New York
158 Columbus Georgia
159 Brunswick Georgia
160 Lumberton North Carolina
161 Bridgeport Connecticut
162 New Britain Connecticut
163 North Las Vegas Nevada
164 Bridgeton New Jersey
165 Lehigh Acres Florida
166 Bainbridge Georgia
167 Randallstown Maryland
168 Mineral Wells Texas
169 Rialto California
170 Harvey Louisiana
171 Clementon New Jersey
172 Hammond Indiana
173 Phenix City Alabama
174 Liberal Kansas
175 Alvarado Texas
176 Mesquite Texas
177 North Little Rock Arkansas
178 Laurinburg North Carolina
179 Mission Texas
180 Cedartown Georgia
181 Paris Texas
182 Compton California
183 Roselle New Jersey
184 Valdosta Georgia
185 Philadelphia Pennsylvania
186 Eagle Pass Texas
187 Douglas Georgia
188 Rocky Mount North Carolina
189 Balch Springs Texas
190 Tuscaloosa Alabama
191 Kinston North Carolina
192 New Castle Delaware
193 Rio Grande City Texas
194 Dallas Texas
195 Hinesville Georgia
196 Lorain Ohio
197 Elizabeth New Jersey
198 Pine Bluff Arkansas
199 Jacksonville Arkansas
200 Hopewell Virginia
201 Spartanburg South Carolina
202 Webster Texas
203 Port Arthur Texas
204 Plainview Texas
205 Gallup New Mexico
206 Texarkana Arkansas
207 Kingsville Texas
208 Decatur Georgia
209 Moultrie Georgia
210 Mobile Alabama
211 Willingboro New Jersey
212 Desert Hot Springs California
213 Radcliff Kentucky
214 Saint Albans New York
215 Big Spring Texas
216 Greenville North Carolina
217 Lagrange Georgia
218 Moreno Valley California
219 Fort Worth Texas
220 Bronx New York
221 Newport News Virginia
222 Wasco California
223 Willimantic Connecticut
224 Avondale Arizona
225 Longview Texas
226 Indianapolis Indiana
227 Weslaco Texas
228 Desoto Texas
229 Colton California
230 Romulus Michigan
231 Dublin Georgia
232 Hempstead New York
233 Bartow Florida
234 Thomaston Georgia
235 Jesup Georgia
236 Terrell Texas
237 San Jacinto California
238 Redford Michigan
239 New Bedford Massachusetts
240 Holyoke Massachusetts
241 Anniston Alabama
242 Toledo Ohio
243 Chatsworth Georgia
244 Harlingen Texas
245 Savannah Georgia
246 Fort Pierce Florida
247 Shelbyville Tennessee
248 Chalmette Louisiana
249 Perris California
250 Merrillville Indiana
251 La Vergne Tennessee
252 Natchitoches Louisiana
253 Wilson North Carolina
254 Palestine Texas
255 Jacksonville Texas
256 Lancaster California
257 Perry Florida
258 Grand Prairie Texas
259 Thermal California
260 Ladson South Carolina
261 Nacogdoches Texas
262 Trenton New Jersey
263 Richmond Virginia
264 Georgetown South Carolina
265 Millville New Jersey
266 Statesboro Georgia
267 Tahlequah Oklahoma
268 Pampa Texas
269 Elmira New York
270 Oak Park Michigan
271 New Orleans Louisiana
272 Corpus Christi Texas
273 Passaic New Jersey
274 Sanford Florida
275 Greenwood South Carolina
276 Fresno California
277 Conyers Georgia
278 Columbus Mississippi
279 Opelika Alabama
280 Ennis Texas
281 Tifton Georgia
282 Shelby North Carolina
283 Laveen Arizona
284 Rosenberg Texas
285 New Iberia Louisiana
286 Waycross Georgia
287 Milledgeville Georgia
288 Kissimmee Florida
289 Pascagoula Mississippi
290 Brockton Massachusetts
291 Norfolk Virginia
292 Port Huron Michigan
293 Lanham Maryland
294 Newport Tennessee
295 Sylacauga Alabama
296 San Marcos Texas
297 Coachella California
298 Matteson Illinois
299 Sumter South Carolina
300 Essex Maryland
301 Blythe California
302 Bakers eld California
303 Richmond California
304 Houston Texas
305 Lansdowne Pennsylvania
306 Stockbridge Georgia
307 Natchez Mississippi
308 New Caney Texas
309 Martinsburg West Virginia
310 Arvin California
311 Clinton North Carolina
312 Uvalde Texas
313 Woonsocket Rhode Island
314 Milwaukee Wisconsin
315 Bloomington California
316 Gastonia North Carolina
317 North Highlands California
318 Chattanooga Tennessee
 g
319 Columbia South Carolina
320 Selma California
321 Spring Lake North Carolina
322 Shafter California
323 Bristol Pennsylvania
324 Burton Michigan
325 Chelsea Massachusetts
326 Kilgore Texas
327 Morgan City Louisiana
328 Kannapolis North Carolina
329 Sherman Texas
330 Inglewood California
331 Manor Texas
332 Cleburne Texas
333 Alexander City Alabama
334 Douglasville Georgia
335 Vicksburg Mississippi
336 Orlando Florida
337 Hopkinsville Kentucky
338 Arlington Texas
339 La Place Louisiana
340 Delano California
341 Del Rio Texas
342 Hesperia California
343 Cleveland Ohio
344 Durant Oklahoma
345 Gulfport Mississippi
346 Kyle Texas
347 Rockingham North Carolina
348 Hammond Louisiana
349 Lancaster South Carolina
350 Portsmouth Ohio
351 Zion Illinois
352 El Dorado Arkansas
353 Brownwood Texas
354 Danville Illinois
355 Huntington West Virginia
356 Ironton Ohio
357 Laurel Mississippi
358 Converse Texas
359 Phoenix Arizona
35 oe o a
360 Hattiesburg Mississippi
361 Oklahoma City Oklahoma
362 Dyersburg Tennessee
363 Troy Alabama
364 Stockton California
365 Rosedale New York
366 Bay City Texas
367 Pasadena Texas
368 Texarkana Texas
369 Labelle Florida
370 South Holland Illinois
371 Meridian Mississippi
372 Spring eld Gardens New York
373 Jackson Georgia
374 Newburgh New York
375 Dinuba California
376 Roanoke Rapids North Carolina
377 Greenbelt Maryland
378 Palmdale California
379 Southaven Mississippi
380 Jacksonville Florida
381 Las Vegas Nevada
382 Cicero Illinois
383 West Palm Beach Florida
384 Covington Kentucky
385 Long Branch New Jersey
386 Lake City Florida
387 South eld Michigan
388 Hampton Virginia
389 Dundalk Maryland
390 Mulberry Florida
391 Ruskin Florida
392 Tulare California
393 Winder Georgia
394 Mount Pleasant Texas
395 Las Vegas New Mexico
396 West Valley City Utah
397 Waukegan Illinois
398 Antioch Tennessee
399 New London Connecticut
400 Hartsville South Carolina
400 Hartsville South Carolina
401 Philadelphia Mississippi
402 Lake Charles Louisiana
403 Saginaw Michigan
404 Paramount California
405 Dayton Texas
406 Tulsa Oklahoma
407 Baytown Texas
408 Hillside New Jersey
409 Providence Rhode Island
410 Roseville Michigan
411 Victoria Texas
412 Kings Mountain North Carolina
413 Waldorf Maryland
414 Marrero Louisiana
415 Leesville Louisiana
416 Blue eld West Virginia
417 National City California
418 Tupelo Mississippi
419 Houma Louisiana
420 El Paso Texas
421 Pawtucket Rhode Island
422 Lincoln Park Michigan
423 Dalton Georgia
424 Lubbock Texas
425 Gretna Louisiana
426 Glendale Arizona
427 Mcallen Texas
428 Fort Bragg North Carolina
429 Clovis New Mexico
430 Theodore Alabama
431 East Hartford Connecticut
432 Thomasville Georgia
433 Birmingham Alabama
434 Corsicana Texas
435 Calhoun Georgia
436 Shawnee Oklahoma
437 Fontana California
438 Fayetteville North Carolina
439 San Antonio Texas
440 Raeford North Carolina
441 Elgin Texas
441 Elgin Texas
442 Forest City North Carolina
443 Little Rock Arkansas
444 Jeffersonville Indiana
445 Roswell New Mexico
446 Florence South Carolina
447 Lynwood California
448 Henderson Texas
449 Jackson Tennessee
450 Kingsland Georgia
451 Cocoa Florida
452 Baton Rouge Louisiana
453 Springdale Arkansas
454 Bell Gardens California
455 Rosharon Texas
456 Wilmington California
457 Waco Texas
458 Tampa Florida
459 Greensboro North Carolina
460 Panama City Florida
461 Ruston Louisiana
462 Moss Point Mississippi
463 Defuniak Springs Florida
464 Lynn Massachusetts
465 Muskegon Michigan
466 Auburndale Florida
467 Sulphur Springs Texas
468 Wichita Falls Texas
469 Junction City Kansas
470 Albertville Alabama
471 Lufkin Texas
472 Copperas Cove Texas
473 Amarillo Texas
474 Mabank Texas
475 Middle River Maryland
476 Clinton Maryland
477 North Vernon Indiana
478 Allentown Pennsylvania
479 Olivehurst California
480 Antioch California
481 Lakeland Florida
482 Warner Robins Georgia
 482 Warner Robins Georgia
483 Pearl Mississippi
484 Hiram Georgia
485 Anderson Indiana
486 Burlington North Carolina
487 Taylor Michigan
488 Vineland New Jersey
489 Union City New Jersey
490 Deming New Mexico
491 Seguin Texas
492 Marysville California
493 Bedford Ohio
494 Aberdeen Maryland
495 Porterville California
496 Poplar Bluff Missouri
497 Okeechobee Florida
498 Corbin Kentucky
499 Smith eld North Carolina
500 Muskogee Oklahoma
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Credit Score Rankings for the 100

Largest U.S. Cities
Rank City State Cred
1 Littleton Colorado
2 San Francisco California
3 Seattle Washington
4 Plano Texas
5 Saint Paul Minnesota
6 Honolulu Hawaii
7 San Jose California
8 Minneapolis Minnesota
9 Portland Oregon
10 Naples Florida
11 Alexandria Virginia
12 New York New York
13 Spring Texas
14 Staten Island New York
15 Pittsburgh Pennsylvania
16 Katy Texas
17 Omaha Nebraska
18 San Diego California
19 Marietta Georgia
20 Vancouver Washington
21 Spokane Washington
22 Raleigh North Carolina
23 Colorado Springs Colorado
24 Silver Spring Maryland
25 Salt Lake City Utah
26 Knoxville Tennessee
27 Brooklyn New York
28 Virginia Beach Virginia
29 Oakland California
30 Austin Texas
31 Denver Colorado
32 Grand Rapids Michigan
33 Anaheim California
34 Cincinnati Ohio
35 Tucson Arizona
36 Lexington Kentucky
37 Washington District of Columbia
38 Fort Wayne Indiana
39 Albuquerque New Mexico
40 Rochester New York
41 Buffalo New York
42 Aurora Colorado
43 Tacoma Washington
44 Dayton Ohio
45 Pompano Beach Florida
46 Mesa Arizona
47 Santa Ana California
48 Louisville Kentucky
49 Wichita Kansas
50 Nashville Tennessee
51 Sacramento California
52 Los Angeles California
53 Saint Petersburg Florida
54 Fort Lauderdale Florida
55 Hollywood Florida
56 Saint Louis Missouri
57 Reno Nevada
58 Riverside California
59 Kansas City Missouri
60 Long Beach California
61 Miami Florida
62 Charlotte North Carolina
63 Hialeah Florida
64 Chicago Illinois
65 Columbus Ohio
66 Atlanta Georgia
67 Greensboro North Carolina
68 Tampa Florida
69 Baton Rouge Louisiana
70 San Antonio Texas
71 Birmingham Alabama
72 Glendale Arizona
73 El Paso Texas
74 Tulsa Oklahoma
75 West Palm Beach Florida
76 Las Vegas Nevada
77 Jacksonville Florida
78 Stockton California
79 Oklahoma City Oklahoma
80 Phoenix Arizona
81 Cleveland Ohio
82 Arlington Texas
83 Orlando Florida
84 Columbia South Carolina
85 Milwaukee Wisconsin
86 Houston Texas
87 Bakers eld California
88 Fresno California
89 Corpus Christi Texas
90 New Orleans Louisiana
91 Richmond Virginia
92 Toledo Ohio
93 Indianapolis Indiana
94 Bronx New York
95 Fort Worth Texas
96 Dallas Texas
 97 Philadelphia Pennsylvania
98 Baltimore Maryland
99 Memphis Tennessee
100 Detroit Michigan

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Methodology
All data within this report was pulled from Experian’s Premier Aggregated Credit
StatisticsSM and Onboard Informatics. Location data was cross referenced between
Onboard Informatics and Experian’s Premier Aggregated Credit StatisticsSM to formulate
a list of ZIPTM2 codes accompanied by city names, state names, updated population
gures as reported by Onboard Informatics, and VantageScore 3.0® scores as reported
by Experian. After a list was created, a population cutoff of 20,000 was implemented,
phasing out the least populous cities in the United States.

For cities containing multiple ZIPTM codes, an average weighted credit score was
determined by averaging credit scores together after weighting them based on
population. Within a city, ZIPTM codes with higher populations were given more weight
compared to ZIPTM codes with less representation. Large regions that were closely
associated with the included metropolitan areas were left independent due to their
large population and regional distinction (e.g. Chicago Heights was not lumped in with
Chicago).

After the weighted VantageScore 3.0® scores, or credit scores, were calculated for each
city, rankings could be determined based on the magnitude of these credit scores.
Simply put, cities with greater credit scores were ranked higher on the list than those
with lower credit scores.

What is the Best Credit Score?

You’ve probably heard someone boast about how they have “perfect” credit. That would
mean they have a FICO score of 850. In order to achieve that they would need to have at
least ve credit card accounts, one mortgage or auto loan, 30 years of credit history, 20
years of positive account history, no late payments for the last seven years, and a debt
level that doesn’t exceed 35 percent of their total available credit. So, the next time some
young 30-year old tells you he has perfect credit, you’ll know he’s full of it.

While having perfect credit is a laudable goal, most people would be ecstatic to be able
to cross the 800 score threshold. It doesn’t happen overnight, but it’s also not that
dif cult if you know what to do. It also helps to understand how credit scores are
generated and utilized.

What Your Credit Score Really Means

With the big xation on credit scores, consumers may be misleading themselves as to
their true credit worthiness. You might be ecstatic to learn that your credit score
increased from 660 to 700; but to the lender, your credit is still just “above average” and
is in a “medium” risk range. It’s important to know your credit score, but you should be
more concerned with the different credit score ranges for each risk level. The possible
credit scores that FICO calculates using its proprietary algorithms are arranged by risk
levels, which are also based on an algorithmic formula.

Credit Score Range Risk Level Probable Outcome

579 and below Very poor Little possibility of obtaining credit

580 to 619 Poor May be approved with high interest rate

620 to 659 Average Can be approved with high interest rate

660 to 699 Good Will be approved with average interest rate

700 to 759 Great Will be approved with low interest rate

760 and above Excellent Will be offered the best interest rates

This is FICO’s current credit score range, and it always remains somewhat xed. But, the
range is also subject to interpretation by individual lenders. For instance, prior to the
2008 credit crisis, a credit score of 730 would have garnered the best available mortgage
rates. But following the crisis, lenders wanted to see credit scores above 760 before
offering the lowest rates. As the economy improves and lenders’ overall credit risk
decreases, they tend to loosen their requirements.

Not All Credit Scores are Equal

FICO was the original credit scorer and is still considered to be the standard bearer for
consumer credit scoring. Initially, FICO sold its credit scores to the credit bureaus –
TransUnion, Expedia and Equifax – who in turn sold them to consumers and lenders.
Eventually, the credit bureaus used their own massive databases to come up with their
own credit scoring models. Initially, they banded together to come up with the
VantageScore®. Later, Experian came up with its own model called PLUS.

Today there are three credit scoring models in use – FICO, VantageScore 3.0® and Plus.
Although their algorithms for scoring are closely held secrets, they generally follow the
FICO model. The scoring differs as do the scoring ranges for some models. The FICO
credit score ranges from 300 to 850, and the VantageScore 3.0® credit score covers the
same range of 300 to 850. However, the Experian PLUS credit score ranges from 330 to
830.

Which Credit Score is the Most Important?

FICO remains the primary scorer for more than 90 percent of lenders. However, an
increasing number of lenders now use both FICO and VantageScore®. Lenders are also
taking the data supplied by FICO and Vantage and interpolating it with their own
formulas; so it is dif cult to know which scoring model is being applied. The Experian
Plus score is not used by lenders because it was developed as an educational tool for
consumers.
The Path to an 800 Credit Score
Obtaining a top credit score is not that dif cult once you understand what goes into
scoring your credit. However, it does take time and there is very little room for error.
Here’s exactly what you need to push your score to the top.

Never Miss a Payment

Your payment history comprises a whopping one third of your credit score. Just one
missed payment can drop your score by as much as 110 points. The only thing worse
than a missed payment, which remains on your credit report for seven years, is a
bankruptcy.

Maintain a Low Debt-to-Credit Limit Ratio

Credit utilization is the next biggest factor (https://lendedu.com/blog/tips-to-raise-your-
credit-score) in scoring your credit. To keep you score moving higher, it’s recommended
that your debt ratio be no more than 35 percent; 25 percent is better. The average debt
ratio for those with the highest credit scores is 7 percent.

Diversify Your Credit

Your ability to handle a variety of credit is another big scoring factor. You will need a
good mix of credit, such as credit cards, installment loans, an auto loan or a mortgage. If
you’re currently limited in your mix, you might consider going to a bank or credit union
and taking out a small, secured personal loan using your savings as collateral, or
purchase your next appliance on an installment loan.

Keep Your Accounts Open and Active

People with a lot of credit cards are sometimes tempted to close accounts they don’t
use. While that may seem the prudent course, it can also hurt your credit score because
it can lower the amount of available credit while increasing your credit utilization ratio.
Credit activity is also important because that is what drives your payment history score.
It’s recommended you use your credit cards each month but then pay the balance in full.

Monitor Your Credit

You should check your three free credit reports each year to ensure there are no errors.
Credit reporting errors occur more frequently than we’d like to think, and any incorrect
item – a wrong Social Security number, a misreported payment or credit limit, or a rogue
inquiry – could hurt your credit score. If you are real serious about reaching the 800
mark, then you should consider subscribing to a credit monitoring service that costs
about $10 a month.

Give Yourself Some Time

Even if you apply these essential credit building rules, you may not be able to break 800
for a few years. It usually requires at least 10 years of a “perfect” credit history to achieve
an 800 score. While it may not actually take that long, you need to give yourself the
proper time horizon and know that your score will grow each day.
1. VantageScore is a registered trademark of VantageScore Solutions, LLC.

2. Experian is a nonexclusive full-service provider licensee of the United States Postal Service. The following trademark is owned

by the United States Postal Service: ZIP. The price of Experian's services is not established, controlled or approved by the United

States Postal Service

Author: Mike Brown

In his role at LendEDU, Mike uses data, usually from surveys and publicly-
available resources, to identify emerging personal nance trends and tell
unique stories. Mike’s work, featured in major outlets like The Wall Street
Journal and The Washington Post, provides consumers with a personal
nance measuring stick and can help them make informed nance
decisions.

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