These 10 cities have the best credit scores in the US

Here’s how to achieve the perfect credit score
Here’s how to achieve the perfect credit score

When it comes to having good credit, some cities outshine others, according to financial website WalletHub, which compared the median credit scores of residents in 2,572 U.S. cities of all sizes to determine where residents have the best — and the worst — credit ratings.

An "excellent" credit score ranges from 750 to 850, according to the two major scoring systems FICO and VantageScore, which rate credit on a scale of 300 to 850. A score from 700 to 749 is considered "good"; a score from 650 to 700 is "fair"; and a score from 300 to 649 is "bad."

The average U.S. adult has a "fair" score of 675, according to Experian's 2017 State of Credit report. But WalletHub, which pulled data from TransUnion, found that residents of the following 10 cities enjoyed a median score in the 99th percentile:

The Villages, Florida

Median credit score: 807

Sun City Center, Florida

Median credit score: 789

Sun City West, Arizona

Median credit score: 787

Green Valley, Arizona

Median credit score: 781

Saratoga, California

Median credit score: 780

Los Altos, California

Median credit score: 779

Lexington, Massachusetts

Median credit score: 778

Estero, Florida

Median credit score: 778

Laguna Woods, California

Median credit score: 777

Pittsford, New York

Median credit score: 773

These are primarily smaller, affluent cities, but some big cities perform well, too, WalletHub reports, including San Francisco (98th percentile), Seattle (97th percentile), Honolulu (95th percentile), San Jose (94th percentile) and Boston (92nd percentile).

A credit score is an important measure of your financial health: It signifies your trustworthiness to financial institutions. The better your score, the more likely you are to get a good deal on a home or a car, or to be able to rent an apartment. So it's important to take steps to improve your credit where you can. Here are four things to prioritize if you're shooting for a better score.

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Video by Beatriz Bajeulos Castillo

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