The credit score of a particular area indicates how the residents of that place utilize their credit. It is difficult to find the exact causes of a high or a low credit score in a particular area. Credit scores are affected by economic and cultural issues prevalent in the area. In addition to these, other factors such as credit utilization and the overall debt of the citizens also have an impact on the credit score.

Here are ten cities that have a low credit utilization rate, a high credit score, and a low credit card balance, which means that the residents pay off their dues in time. A credit score above 700 is considered as excellent and these cities have shown the highest score across the country over time.

Madison, Wisconsin
In the city of Madison in Wisconsin, the average credit score is 702 and the average debt is $35,815. It has an average credit card balance of $4,545 and a credit utilization of 26 percent.

Fargo, North Dakota

In the city of Fargo in North Dakota, the average credit score is 703 and the average debt is $37,966. It has an average credit card balance of $4,661 and a credit utilization of 25 percent.

La Crosse, Wisconsin

In La Crosse, the average credit score is 703 and the average debt is $32,895. It has an average credit card balance of $4,223 and a credit utilization of 25 percent.

Sioux Falls, South Dakota

In Sioux Falls, the average credit score is 703 and the average debt is $39,269. It has an average credit card balance of $4,661 and a credit utilization of 25 percent.

Duluth, Minnesota

In the city of Duluth in Minnesota, the average credit score is 703 and the average debt is $34,782. It has an average credit card balance of $4,825 and a credit utilization of 26 percent.

Wausau, Wisconsin

In the city of Wausau in Wisconsin, the average credit score is 704 and the average debt is $31,975. It has an average credit card balance of $4,144 and a credit utilization of 25 percent.

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Green Bay, Wisconsin

In the city of Green Bay in Wisconsin, the average credit score is 704 and the average debt is $33,034. It has an average credit card balance of $4,363 and a credit utilization of 24 percent.

Minneapolis

Minneapolis has an average credit score of 707 and an average debt of $37,699. Its average credit card balance is $5,315 and the credit utilization rate is 26 percent.

Rochester, Minnesota

Minneapolis has an average credit score of 708 and an average debt of $35,973. Its average credit card balance is $4,329. The credit utilization rate is 24 percent.

Mankato, Minnesota

Mankato in Minnesota has an average credit score of 708 and an average debt of $32,536. Its average credit card balance is $4,011 and the credit utilization rate is 24 percent.

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