S T A T E C R E D I T

VantageScore® national averageU P T H R E E P O I N T S F R O M L A S T Y E A R

Number of bankcards per consumer:

Experian’s sixth annual analysis delivers the nation’s credit report card and ranks the cities with the highest and lowest credit scores

Number of retail cards per consumer:

Average bankcard balance:

Salisbury, MD, had the largest credit score increase,

from to

Bakersfield, CA, and Columbus, MS, moved out of the bottom 10

Shreveport, LA, and Monroe, LA, are new to the bottom 10

Every city in the bottom 10 increased its average credit score except Monroe, LA, which stayed the same

Lafayette, IN, had the largest credit score decrease,

from to

Mankato, MN 706

Rochester, MN 705

Minneapolis, MN 704

Fargo, ND 701

Wausau, WI 701

Duluth, MN 701

Sioux Falls, SD 700

Green Bay, WI 700

La Crosse, WI 699

Cedar Rapids, IA 699

Average debt per consumer:

2.24

1.55

$29,093

666657 665 664

$4,404

of

UP FROM 20142.81%

UP FROM 2014

UP FROM 2014

DOWN FROM 20140.14%

2.09%

9

5

3

2

4

Greenwood, MS 612

Albany, GA 622

Riverside, CA 624

Harlingen, TX 628

Laredo, TX 633

Monroe, LA 635

Jackson, MS 635

Alexandria, LA 636

Las Vegas, NV 636

Shreveport, LA 637

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10

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by highest VantageScore®

© 2015 Experian Information Solutions, Inc. All rights reserved.Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc.Other product and company names mentioned herein are the property of their respective owners.

VantageScore® is a registered trademark of VantageScore Solutions, LLC.VantageScore range: 300–850Average debt was calculated for this study including all credit cards, auto loans and personal/student loans.

Experian® is the leading global information services company, providing data and analytical tools to clients in more than 80 countries. The company helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to check their credit report and credit score and protect against identity theft.

For more information, visit www.LiveCreditSmart.com.

TOP 10 CITIES

by lowest VantageScore®

BOTTOM 10 CITIES

666669

2014

2015

0.30%

1 2

34

98

5

6

7

10

1 7108 6