Discover the top U.S. cities with the highest credit ratings, highlighting responsible credit habits among residents. This guide presents key metrics like average credit scores, debt levels, and credit utilization to understand financial discipline across regions. Stay informed on credit trends and improve your financial health by exploring these leading cities' practices.

Leading U.S. Cities with Exceptional Credit Scores

The financial health of a city can be gauged by its residents' credit scores, which reflect responsible credit management and debt repayment habits. While economic and social factors influence these rankings, cities with low credit utilization and consistently high credit scores demonstrate strong financial discipline among residents. These areas showcase average credit scores above 700, with residents paying bills promptly and maintaining manageable debt levels.

Credit scores above 700 are considered excellent. The following cities excel in this aspect:

Madison, Wisconsin: With an average score of 702, residents carry $35,815 in debt. Credit card balances average $4,545, utilizing 26% of available credit.

Fargo, North Dakota: Boasting an average score of 703, residents have debts averaging $37,966. Credit card balances are $4,661, with a 25% utilization rate.

La Crosse, Wisconsin: Residents have a 703 score on average, debt totals of $32,895, and credit card balances of $4,223 at 25% utilization.

Sioux Falls, South Dakota: Average credit score is 703, with residents owing $39,269 and holding $4,661 in credit card debt, utilizing 25% of their credit lines.

Duluth, Minnesota: An average score of 703, debts at $34,782, credit card balances of $4,825, and a utilization rate of 26% characterize this city.

Wausau, Wisconsin: Residents maintain a 704 score with debt averaging $31,975 and credit card balances of $4,144 at 25% utilization.

---

Additional Cities Worth Mentioning:

Green Bay, Wisconsin: Average credit score of 704, total debt $33,034, credit card balances of $4,363, and a 24% utilization rate.

Minneapolis: Credit scores average 707, with debts of $37,699 and credit card balances at $5,315, utilizing 26% of credit.

Rochester, Minnesota: Residents hold an average score of 708, with total debt at $35,973, and credit card balances of $4,329 at 24% utilization.

Mankato, Minnesota: Credit scores average 708, debt totals $32,536, with credit card balances of $4,011 and a 24% utilization rate.

For more tips on credit management and financial trends, visit our Credit Card section. Follow us on Facebook and Twitter for the latest investment updates.

Note: Our articles provide insights into various finance topics based on research but should not replace personalized financial advice. We disclaim responsibility for data inaccuracies or missed opportunities more aligned with individual needs.