In certain cities where the credit score of the residents is significantly lower than that of those residing in other cities of the country. It is difficult to determine a cause behind this. Individuals residing in cities that have a low credit score tend to use their credit a lot more than those in other cities with a high score. One of the most important determinants of the credit score is credit utilization and the debt. The cities with the lowest credit scores do not come close to the average credit score across all the cities in the US. The reasons behind the same may vary but some of the common factors include high debt and high credit card balance.

Shreveport, Louisiana
The average credit score in Shreveport was 640 and the average debt stood at $41,204. The credit utilization of the residents was 34 percent and their average credit card balance was $5,122.

Corpus Christi, Texas

The average credit score in Corpus Christi in Texas was 639 and the average debt stood at $41,435. The credit utilization of the residents was 36 percent and their average credit card balance was $5,781.

Bakersfield, California

The average credit score in Bakersfield, California was 639 and the average debt stood at $35,138.

Alexandria, Louisiana

The average credit score in Alexandria, Louisiana was 639 and the average debt stood at $38,863. The credit utilization of the residents was 33 percent and their average credit card balance was $4,611.

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Monroe, Louisiana

The average credit score in Monroe, Louisiana was 639 and the average debt stood at $41,610. The credit utilization of the residents was 33 percent and their average credit card balance was $4,596.

Laredo, Texas

The average credit score in Laredo was 635 and the average debt stood at $35,799. The credit utilization of the residents was 36 percent and their average credit card balance was $4,436.

Riverside, California

The average credit score in Riverside city of California was 632 and the average debt stood at $37,659. The credit utilization of the residents was 37 percent and their average credit card balance was $5,026.

Harlingen, Texas

The average credit score in Harlingen was 631 and the average debt stood at $35,690. The credit utilization of the residents was 35 percent and their average credit card balance was $4,618.

Albany, Georgia

The average credit score in Albany was 624 and the average debt stood at $38,580. The credit utilization of the residents was 36 percent and their average credit card balance was $4,787.

Greenwood, Mississippi
The average credit score in Greenwood was 622 and the average debt stood at $38,201. The credit utilization of the residents was 37 percent and their average credit card balance was $4,125.

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