Residents in the five cities with the lowest scores in the ranking have an average median credit score of 499.8 in 2022. Although average credit scores have increased steadily in recent times, last year marked the first time in more than ten years when credit scores remained the same.   

The data in this list was sourced from WalletHub.com.

Scroll through to see which cities are in the bottom 21 and how they fared in 2022.