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Experian Consumer Direct announced the average consumer credit scores for 20 major U.S. metropolitan areas according to its National Score Index.

Minneapolis Minnesota ranked #1 with an average score of 707. Dallas Texas ranked last with an average score of 653. Complete list is below.

“The average credit score for the U.S. is 678, so residents in the Minneapolis and Boston areas are doing a far better job of managing their credit compared to the rest of the nation,” said Charles Chung, vice president of consulting and analytics for Experian.

“These residents typically have high credit debt, but use that credit wisely. They also have fewer late payments and don't max out their credit cards.” The credit scores were compiled from the Experian National Score Index, which is based upon a nationwide sampling of three million consumer profiles.

“The National Score Index gives consumers a gauge to help them understand how creditworthy they are relative to other American consumers,” said Ed Ojdana, president of Experian Consumer Direct. “Consumers can learn how their geographic region measures up against other regions of the country, and how their credit score affects their ability to obtain the best interest rates and most beneficial loan terms.”