OK, we didn't make the Top 10. But residents of the greater Sacramento region did pretty well in a recent national ranking of average credit scores.
According to TransUnion, one of the major credit reporting bureaus, Sacramento logged in at No. 34 among 100 of the biggest metropolitan regions. Our average score? 674
That's not quite as robust as the San Jose/Sunnyvale/Santa Clara area, which nabbed the country's top spot with a score of 700, followed by San Francisco/Oakland/Fremont at 696. That's based on TransUnion's range of 501 (poor) to 990 (excellent).
The others in the Top 10 were Madison, Wis.; Honolulu, Hawaii; Minneapolis/St. Paul, Minn.; Bridgeport/Stamford/Norwalk, Conn.; Boston/Cambridge; Oxnard/Thousand Oaks/Ventura; Portland/South Portland, Maine; and Seattle/Tacoma/Bellevue in Washington state.
And because we know you want to know: The worst average credit scores were almost all in southern states: Memphis, Tenn.; Columbia, S.C.; Jackson, Miss.; El Paso, Texas; Baton Rouge, La. Those scores ranged between 638 and 651. In the middle of the worst was Las Vegas, with an average credit score of 651.
The rankings were based on 215 million "active credit" users, those with credit cards, mortgages, auto loans or other credit history.