As Black Friday has come and gone, the Christmas shopping season is now in full swing.  Shoppers are hitting the stores and online sites looking for the best deals.  And sometimes to get the best deals, you might need a little financing help.  And that's where a good credit score can make a huge difference in what you'll pay for your purchases.

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According to the website credit.org, credit scores range from 300-850, with the average credit score nationwide around 710.  As a general rule, the higher your credit score, the better finance rates you are able to obtain.  There are things you can, and should be doing to lower, or maintain your credit score, including:
Paying your bills on time- this is the best way to help lower your score.
Keeping your balances low- Maxed out accounts hurt your credit score
Keep Accounts Open- Length of credit is a plus
Don't Open New Accounts- Anytime a creditor does an inquiry, it dings your credit score and shortens your credit history.

 

National Ranking of Cities Average Credit Scores

 

Wallethub does an annual ranking of cities across the country and their average credit scores.  The Top Ten cities and their credit rankings are:

199The Villages, FL806
299Sun City West, AZ792
399Oro Valley, AZ789
399Santa Monica, CA789
599Laguna Woods, CA788
699Estero, FL787
799Pittsford, NY785.5
899Los Altos, CA785
999Green Valley, AZ783
999Saratoga, CA783

 

Bossier City tied with 22 other cities including Baton Rouge, Tyler, TX, and Lake Charles, LA at 2132 with a credit score of 669.  Ruston, LA comes in at 2205 with an average credit score of 666.  Shreveport didn't fare well at all.  We weren't in the bottom ten, but we weren't far from it, coming in ranked 2434, with an average credit score of 649.

The Bottom Ten Cities average credit scores:

25631Sugar Land, TX571
25641Colorado Springs, CO552
25641New Orleans, LA552
25661Laplace, LA551
25671Palmdale, CA538
25681Great Falls, MT524
25681Northport, AL524
25681Winter Haven, FL524
25681Las Vegas, NV524
25721Glendale, AZ517

Louisiana Parishes Ranked By Salaries

Starting from the lowest, here's how Louisiana Parishes stack up when you check the data for average salaries.

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