Experian heat-map for credit scores, both higher and lower than average.

Credit.com content producer Christine DiGangi taps Experian’s 2015 State of Credit report, based on consumer data in the Experian-Oliver Wyman Market Intelligence Reports from the second quarter of this year, to look at credit characteristics by locale for more than 100 metropolitan statistical areas.

In broad strokes, a key finding is this: People in the northern Midwest have historically had high average credit scores. Low average credit scores are common in Southern and Western states. DiGangi writes:

On average, U.S. consumers have a 669 credit score on the VantageScore 3.0 scale (300 to 850), which is up 3 points from last year. In one city, the average score is 37 points higher, at 706. Experian heat-maps the 10 highest, and 10 lowest-ranked metros for credit scores in its report and Infographic.

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