Sun City West, Green Valley Among Cities With Highest Credit Scores

Arizona retirement communities Sun City West and Green Valley ranked in the top ten overall small Cities with the Highest & Lowest Credit Scores in 2017. With negative records from the Great Recession continually dropping off consumers’ credit reports and debt levels pushing toward to pre-recession highs, the free-credit-score website WalletHub released their study on the Cities with the Highest & Lowest Credit Scores.

Considering that the average American has a credit score of 669 and 10% of the largest U.S. cities have “bad” credit, WalletHub also prepared some tips to guide people to credit improvement and all the savings that come with it. You can find a few highlights below, including the highest average credit scores by city size.

1 The Villages, FL (779)
2 Los Altos, CA (757)
3 Lexington, MA (756)
4 Sun City West, AZ (756)
5 Saratoga, CA (754)
6 Sun City Center, FL (753)
7 Green Valley, AZ (750)
8 Colleyville, TX (749)
9 Pittsford, NY (748)
10 Needham, MA (748)

Credit-Improvement Tips

  1. Find Out Where You’re Starting From: It’s impossible to gauge progress without a baseline. There are plenty of free-credit-score sites to choose from, including WalletHub, which is the only one offering free daily updates.
  2. Check Your Credit Report for Errors: Roughly 1 in 5 credit reports contains an error. Reviewing your credit reports – you can get your full TransUnion report from WalletHub – and disputing any inaccuracies you find could help you achieve some quick credit-score gains.
  3. Make Sure Positive Information Is Flowing: A steady stream of positive information into you credit reports is needed to establish a track record of financial responsibility or diminish the importance of previous mistakes. Opening a secured credit card is one of the easiest ways to accomplish this.
  4. Don’t Show Desperation for Credit: Don’t apply for credit cards too frequently. And don’t use all of the credit made available to you.

For more information on these and other credit-improvement strategies, click here

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