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It’s like asking what’s the average income in the US – the number of unemployed will totally skew the numbers (not to mention the throngs of millionaires).

If you want a better gauge of where you fit in, then you should be looking at the median credit score.

Obviously a mix of cards and loans is ideal, but if you have only one or two loans on your credit report, it can be an effective strategy to go heavy on the credit cards (have five to 10 if you can use them responsibly and stay debt free).

At age 25 one of our members had around a dozen cards and a FICO score of 790!

Cities with the best average Vantage scores: Mankato, Minnesota — 706 Rochester, Minnesota — 705 Minneapolis, Minnesota.

— 704 Wausau, Wisconsin — 702 Fargo, North Dakota — 702 Cities with the worst average Vantage scores: Greenwood, Mississippi — 612 Albany, Georgia — 622 Riverside, California — 624 Harlingen, Texas — 628 Laredo, Texas — 633 You probably notice that those cities with the lowest average scores tend to be in the southern half of the country (both the southeast and southwest).

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Many people don’t get that high after a lifetime of responsible credit use so there are obviously ways to work the system.

Looking to get more cards and use the same strategy?

However, this information is still a good way to measure performance of geographic areas relative to each other.

As of year end 2015 (according to Experian’s Experian’s “State of Credit” data), the national average Vantage Score was 669, up slightly from 666 the year before.

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Sure, the average may be 638 for the 18 to 24 age group but truth be told, you can somewhat easily hit the low 700s in your early 20s if you do things right.

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