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WalletHub broken down the median credit scores by U.S. city and the findings are interesting.
The best scores cluster in areas known for retirement and education as much as prosperity.
While I wouldn’t say the bottom cities are a surprise per se you get pretty far down the list of worst scores before starting to see the Florida panhandle or Mississippi. So in that way perhaps this study at a minimum fails to reinforce my priors, if not refute them somewhat.
It doesn’t take as high a credit score as you think to get approved for many of the better rewards cards (although you probably had best have a credit score that qualifies you to live in Sun City West,
Arizona if you’re applying for Chase Sapphire Reserve). So what do we care about how credit scores cluster by city?
According to research by the Federal Reserve credit scores predict relationship stability. More or less you need to marry someone with a similar credit score if you want your marriage to last. So figure out which city you belong in if you want to find a life long partner. In fact get your credit score up and then get serious about dating because,
Credit scores and match quality appear predictive of subsequent separations even beyond these credit channels, suggesting that credit scores reveal an individual’s relationship skill and level of commitment. We present ancillary evidence supporting the interpretation of this skill as trustworthiness.