2023's Cities with the Highest & Lowest Credit Scores

Wallet Hub, Mar 29, 2023

If you’ve ever applied for a loan or credit card, you know that your credit score is more than just a three-digit number: it’s a representation of your financial habits. And it tends to speak volumes, especially about how well you manage your debts.

But have you ever wondered how well your neighbors, your coworkers or perhaps your local Starbucks barista handle their finances? Are they as responsible — or irresponsible — as you are when it comes to paying bills or knowing when to use or refrain from using a credit card? Of course, credit scores aren’t solely a reflection of responsibility – it’s possible to have your credit score drop due to financial hardship that’s out of your control. In fact, in 2022, the average credit score didn’t go up for the first time in over a decade, hampered by economic factors like high inflation.

Some cities residents’ have higher credit scores than others, though. In this report, WalletHub compared the median credit scores of residents in 2,568 U.S. cities to give credit where credit is literally and figuratively due.

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