Jul 18 2019

Lowest credit score + Video

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Lowest credit score

U.S. Cities with the Best & Worst Credit Scores

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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 financial reputation, especially a good credit score. 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 financial 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.

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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 Statistics SM , 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. 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 financially secure. On the other end, you can also see the 500 American cities where residents are struggling the most fiscally. And, you can also see how the United States’ largest cities stack up against each other financially.

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

500 Cities With the Best Credit Scores

500 Cities With the Worst Credit Scores

Credit Score Rankings for the 100 Largest U.S. Cities


All data within this report was pulled from Experian’s Premier Aggregated Credit Statistics SM and Onboard Informatics. Location data was cross referenced between Onboard Informatics and Experian’s Premier Aggregated Credit Statistics SM to formulate a list of ZIP TM 2 codes accompanied by city names, state names, updated population figures 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 ZIP TM codes, an average weighted credit score was determined by averaging credit scores together after weighting them based on population. Within a city, ZIP TM codes with higher populations were given more weight compared to ZIP TM 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 five 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 difficult 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 fixation 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.

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