In a Wallet Hub study, Santa Clarita ranked number 10 as the city with the highest credit scores in the nation.

The 10th-ranked Santa Clarita had an average credit score of 714, 22 points below the top-ranked South Burlington, Virginia. 

Using its proprietary data, Wallet Hub compared the median credit scores of residents in 182 U.S. cities as of the fourth quarter of 2023 to determine which cities had the highest and lowest scores.

Assigning a rank of “1” denotes the city with the best credit score. When selecting their sample, they included only cities within the city proper and not any cities in the surrounding metro area.

The top 10 list of cities include:

1 South Burlington, VT 736

2 San Francisco, CA 722

2 Huntington Beach, CA 722

2 Scottsdale, AZ 722

5 Fremont, CA 721

6 Seattle, WA 720

7 Boston, MA 717

8 Honolulu, HI 715

8 Irvine, CA 715

10 Santa Clarita, CA 714

10 Overland Park, KS 714

10 Burlington, VT 714

While the top 10 cities averaged above 700, the bottom 10 just broke the 600 threshold.

173 Newport News, VA 630

173 Memphis, TN  630

175 Montgomery, AL 629

176 Fayetteville, NC 628

177 Bridgeport, CT 626

178 Lewiston, ME 624

178 Newark, NJ 624

178 Jackson, MS 624

181 Shreveport, LA 621

182 Detroit, MI 611

Even though Santa Clarita is among the top 10 cities with credit, it is important to ensure your credit is doing well.

“Having a good or excellent credit score opens up so many doors for you. Not only does it help you get approved for future loans and lines of credit, but it also reduces your interest rate and increases the amount you’re able to borrow,” said Wallet Hub analyst Cassandra Happe. “A good credit score can even make you a stronger candidate for employment, help you with renting housing, and make you a more attractive dating partner.”

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