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10. La Crosse, Wis.

City averages:
Credit Score: 777
Debt: $19,985
Number of Late Payments: 0.30
% Credit Available: 75.56
Number of Open Credit Cards: 1.84

La Crosse, Wis., has fallen two spots from last year’s number 8 ranking. The average debt in the city is lower than that of any other in the top 10, but its loss of status indicates that other factors come into play when determining average credit scores, such as the 35 foreclosures that occurred during the survey period, a high number considering its small population of 51,320 people.

Ron Reiring | Flickr