2019’s Cities with the Highest and Lowest Credit Scores,” a report by personal finance web site WalletHub, analyzed the median credit scores of residents in 2,572 U.S. cities.

Monument ranked in the 98th percentile, Highlands Ranch in the 96th percentile, Fort Collins in the 77th percentile, Colorado Springs in the 54th percentile, Denver in the 51st percentile, Pueblo was in the 27th percentile and Fountain ranked in the 18th percentile.

Cities with the best median credit scores were The Villages, Fla. (806), Sun City Center, Fla. (791), Sun City West, Ariz. (789), Saratoga, Calif. (784) and Green Valley, Ariz. (783).

Detroit, Mich., Chester, Pa. and Camden, N.J. were at the bottom of the list, with median credit scores of 552, 552 and 543 respectively.

WalletHub compared the median credit scores of residents in each of the as of September 2018, based on TransUnion data. The study considered only the city proper in each case and excluded cities in the surrounding metro area. Cities were categorized according to the following population sizes.

  • Large cities: More than 300,000 people
  • Midsize cities: 100,000 to 300,000 people
  • Small cities: Fewer than 100,000 people

Percentile rankings by city size can be seen at wallethub.com/free-credit-score.

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Editor’s note: An earlier version of this story reported percentiles as rankings. Pueblo is not ranked 27th, but is rather in the 27th percentile for credit scores.


  1. Helen – might want to take a look at those numbers again. Pueblo isn’t ranked 27th, their percentile is 27….tied at number 1877 on rank….same story for the other cities.

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