10 cities with the lowest credit scores in the US

2 min read
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Credit score struggles

What does it say about a community when the average credit score of its residents is lower than in other cities across the country?

“It’s really difficult to pinpoint a specific cause or a number of causes,” says Rod Griffin, the director of public education for Experian.

But one thing is clear from a new study by the credit bureau, which calculated the average credit score for more than 200 metropolitan areas in the United States: The residents of cities with lower average credit scores tend to use more of their available credit than cities with higher scores, even if they don’t carry more debt.

Credit utilization is a big factor in credit scores. The more of your available credit you use, the worse it is for your score.

Experian found the nationwide average VantageScore credit score is 673. None of these 10 cities with the lowest credit scores came close to average.

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Shreveport, Louisiana | Jeremy Woodhouse/Getty Images

Shreveport, Louisiana

  • Average credit score: 640
  • Average debt: $41,204
  • Average credit card balance: $5,122
  • Credit utilization: 34 percent

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Corpus Christi, Texas | Photography by Steve Kelley aka mudpig/Getty Images

Corpus Christi, Texas

  • Average credit score: 639
  • Average debt: $41,435
  • Average credit card balance: $5,781
  • Credit utilization: 36 percent
Bakersfield, California | George Diebold/Getty Images

Bakersfield, California

  • Average credit score: 639
  • Average debt: $35,138
  • Average credit card balance: $4,460
  • Credit utilization: 33 percent
Alexandria, Louisiana | DenisTangneyJr/Getty Images

Alexandria, Louisiana

  • Average credit score: 639
  • Average debt: $38,863
  • Average credit card balance: $4,611
  • Credit utilization: 33 percent
Monroe, Louisiana | George Diebold/Getty Images

Monroe, Louisiana

  • Average credit score: 639
  • Average debt: $41,610
  • Average credit card balance: $4,596
  • Credit utilization: 33 percent
Laredo, Texas | George Diebold/Getty Images

Laredo, Texas

  • Average credit score: 635
  • Average debt: $35,799
  • Average credit card balance: $4,436
  • Credit utilization: 36 percent
Riverside, California | Eric Lowenbach/Getty Images

Riverside, California

  • Average credit score: 632
  • Average debt: $37,659
  • Average credit card balance: $5,026
  • Credit utilization: 37 percent
Harlingen, Texas | Witold Skrypczak/Getty Images

Harlingen, Texas

  • Average credit score: 631
  • Average debt: $35,690
  • Average credit card balance: $4,618
  • Credit utilization: 35 percent
Albany, Georgia | Bennian/Getty Images

Albany, Georgia

  • Average credit score: 624
  • Average debt: $38,580
  • Average credit card balance: $4,787
  • Credit utilization: 36 percent
Greenwood, Mississippi | Debra Ferguson / Design Pics/Getty Images

Greenwood, Mississippi

  • Average credit score: 622
  • Average debt: $38,201
  • Average credit card balance: $4,125
  • Credit utilization: 37 percent

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