A new report from Experian reveals that, in the U.S., the average credit score in 2017 was 675, up two points from 2016. That’s the highest average credit score since 2012. Credit scores are starting to bounce back from the financial crisis of 2008 and are now just four points away from the 2007 average of 679.

An “excellent” credit score ranges from 750 to 850, according to the two major scoring systems FICO and VantageScore, which rate credit on a scale of 300 to 850. A score from 700 to 749 is considered “good”; a score from 650 to 700 is “fair”; and a score from 300 to 649 is “bad.”

“The economy is expected to expand at a healthy pace this year supported by access to affordable consumer credit and we believe that credit will continue to rebound. All of the factors point towards a good year for credit in 2018.

 

1. Greenwood, Mississippi: 624
2. Albany, Georgia: 626
3. Harlingen, Texas: 631
4. Laredo, Texas: 635
5. Riverside, California: 636
6. Corpus Christi, Texas: 638
7. Odessa, Texas: 640
8. Monroe, Louisiana: 640
9. Montgomery, Alabama: 640
10. Shreveport,Louisiana: 640