Top 10 U.S. Cities with the Lowest Credit Scores
Explore the ten U.S. cities with the lowest average credit scores, driven by high debt levels and credit utilization. Learn about regional financial habits and how they impact credit health, helping consumers understand regional credit trends and improve their financial standing.
Some American cities have residents with notably lower average credit scores compared to national figures. The reasons are varied, but often include high debt levels and significant credit card balances. Typically, residents in these areas demonstrate higher credit utilization, impacting their overall credit health. The cities listed below consistently report below-average credit scores, influenced by factors such as debt accumulation and borrowing habits. Understanding these trends can help consumers and lenders better navigate credit risks in these regions.
Based on data analysis, these 10 cities have persistently recorded the lowest credit scores over time:
Shreveport, Louisiana — Average credit score: 640, debt: $41,204, credit utilization: 34%, average credit card balance: $5,122.
Corpus Christi, Texas — Average credit score: 639, debt: $41,435, credit utilization: 36%, average credit card balance: $5,781.
Bakersfield, California — Average credit score: 639, debt: $35,138, credit utilization: 33%, average credit card balance: $4,460.
Alexandria, Louisiana — Average credit score: 639, debt: $38,863, credit utilization: 33%, average credit card balance: $4,611.
Monroe, Louisiana — Average credit score: 639, debt: $41,610, credit utilization: 33%, average credit card balance: $4,596.
Laredo, Texas — Average credit score: 635, debt: $35,799, credit utilization: 36%, average credit card balance: $4,436.
Riverside, California — Average credit score: 632, debt: $37,659, credit utilization: 37%, average credit card balance: $5,026.
Harlingen, Texas — Average credit score: 631, debt: $35,690, credit utilization: 35%, average credit card balance: $4,618.
Albany, Georgia — Average credit score: 624, debt: $38,580, credit utilization: 36%, average credit card balance: $4,787.
Greenwood, Mississippi — Average credit score: 622, debt: $38,201, credit utilization: 37%, average credit card balance: $4,125.
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