Minneapolis tops list of cities with best average credit score, Greenwood, Miss., at the bottom

Minnesota may be chilly, but residents of the state's most populous city can bask with the warm fuzzies knowing they outshine the rest of the nation when it comes to managing their credit.

Minneapolis residents, on average, are tops in managing their credit scores, according to Experian's latest annual study on consumer credit.

Experian ranked cities by the average credit score of its residents . Nationally, the research shows that the average credit score is 675, up two points from 2016's average.

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Minnesota once again topped the charts, with three cities showing strong credit management: Minneapolis, Rochester and Mankato. 

Cities in the South continue to struggle with Greenwood, Miss., Albany, Ga. and Harlingen, Texas, showing the biggest need for improvement.

Here is how U.S. cities ranked: 

Top 10 highest average credit scores, by city

Bottom 10 lowest average credit scores, by city

Methodology: The consumer analysis is based on a statistically relevant sampling of Experian’s consumer credit database and the second quarter Experian–Oliver Wyman Market Intelligence Reports. Analyzed credit files did not contain personal identification information.

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