What cities have the best credit scores, and the worst? - WALB.com, South Georgia News, Weather, Sports

What cities have the best credit scores, and the worst?

(AP graphic) (AP graphic)
ALBANY, GA (WALB) -

The folks at WalletHub have been digging into statistics again, and they've come up with some new lists.

With negative records from the Great Recession continually dropping off consumers’ credit reports and debt levels pushing toward to pre-recession highs, they released a study on the Cities with the Highest & Lowest Credit Scores in 2017 .

They said it was done to illustrate which areas need the most work and to help consumers track their progress.

The average American has a credit score of 669, and 10% of the largest U.S. cities have "stinky" credit.

Here is a glance at 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)

Credit scores in South Georgia are below the national average. Here are some credit score averages we found from the WALB coverage area-

Rank

City

Av. Credit
Score

1869

Leesburg, GA

653.26

2287

Valdosta, GA

635.44

2427

Moultrie, GA

623.63

2442

Tifton, GA

621.06

2452

Douglas, GA

619.31

2473

Americus, GA

615.07

2490

Albany, GA

609.7

2497

Cordele, GA

606.87

For the full list, CLICK HERE

 
Here are FOUR 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.

 
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