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8. Peoria, Ill.

City averages:
Credit Score: 778
Debt: $26,075
Number of Late Payments: 0.30
% Credit Available: 76.52
Number of Open Credit Cards: 1.85

Peoria, Ill.,has fallen one notch from number 7 since the previous year. Although the average number of late payments is slightly higher than those No. 9 Sioux Falls, the average percentage of available credit is higher as well.

Bruce Leighty | Photolibrary | Getty Images