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 Cities with the best and worst credit scores ranked by percentile. PHOTO COURTESY WALLETHUB

WalletHub lists cities with highest and lowest credit scores in 2017

With negative records from the Great Recession continually dropping off consumers’ credit reports and debt levels pushing toward to pre-recession highs, the free-credit-score website WalletHub today released a study on the Cities with the Highest & Lowest Credit Scores in 2017 to illustrate which areas need the most work and to help consumers track their progress.

We clearly need all the help we can get, considering that the average American has a credit score of 669 and 10 percent of the largest U.S. cities have “bad” credit. So WalletHub also prepared some tips to guide people to credit improvement and all the savings that come with it. You can find a few highlights below, including the highest average credit scores by city size.

  Large Cities   Midsize Cities   Small Cities
  1 San Francisco, CA (712)   1 Highlands Ranch, CO (733)   1 The Villages, FL (779)
  2 Honolulu, HI (710)   2 Naperville, IL (724)   2 Los Altos, CA (757)
  3 Seattle, WA (698)   3 The Woodlands, TX (723)   3 Lexington, MA (756)
  4 San Jose, CA (697)   4 Centennial, CO (722)   4 Sun City West, AZ (756)
  5 Boston, MA (696)   5 Sunnyvale, CA (722)   5 Saratoga, CA (754)
  6 New York, NY (693)   6 Bellevue, WA (722)   6 Sun City Center, FL (753)
  7 Minneapolis, MN (690)   7 Carlsbad, CA (720)   7 Green Valley, AZ (750)
  8 Portland, OR (689)   8 Cary, NC (720)   8 Colleyville, TX (749)
  9 San Diego, CA (686)   9 Fremont, CA (719)   9 Pittsford, NY (748)
  10 Omaha, NE (682)   10 Boulder, CO (719)   10 Needham, MA (748)

For the full list, visit:
https://wallethub.com/free-credit-score/#cities

4 Key Credit-Improvement Tips

  1. Find Out Where You’re Starting From: It’s impossible to gauge progress without a baseline. There are plenty of free-credit-score sites to choose from, including WalletHub, which is the only one offering free daily updates. 
  2. Check Your Credit Report for Errors: Roughly 1 in 5 credit reports contains an error. Reviewing your credit reports – you can get your full TransUnion report from WalletHub – and disputing any inaccuracies you find could help you achieve some quick credit-score gains. 
  3. Make Sure Positive Information Is Flowing: A steady stream of positive information into you credit reports is needed to establish a track record of financial responsibility or diminish the importance of previous mistakes. Opening a secured credit card is one of the easiest ways to accomplish this.
  4. Don’t Show Desperation for Credit: Don’t apply for credit cards too frequently. And don’t use all of the credit made available to you.

For more information on these and other credit-improvement strategies, visit:
https://wallethub.com/edu/improve-credit-score/19579/

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