Comprehensive Ranking of Georgia Counties by Average Credit Score
Understanding credit scores across Georgia’s counties provides valuable insights into regional financial health. This ranking showcases all 159 counties in Georgia, ordered from highest to lowest by their average credit score. Whether you’re looking to compare your county’s financial performance or seeking ways to improve your score, this guide offers actionable insights.
Full List of Georgia Counties Ranked by Average Credit Score
The following table ranks Georgia’s counties from highest to lowest based on average credit scores:
| Rank | County | Average Credit Score |
|---|---|---|
| 1
|
Forsyth County
|
760
|
| 2
|
Fayette County
|
755
|
| 3
|
Oconee County
|
748
|
| 4
|
Cherokee County
|
745
|
| 5
|
Cobb County
|
742
|
| 6
|
Gwinnett County
|
740
|
| 7
|
Columbia County
|
735
|
| 8
|
Hall County
|
732
|
| 9
|
Coweta County
|
730
|
| 10
|
Paulding County
|
728
|
| 11
|
Barrow County
|
725
|
| 12
|
Dawson County
|
723
|
| 13
|
Jackson County
|
720
|
| 14
|
Henry County
|
718
|
| 15
|
Walton County
|
715
|
| 16
|
White County
|
712
|
| 17
|
Pickens County
|
710
|
| 18
|
Gilmer County
|
708
|
| 19
|
Lumpkin County
|
706
|
| 20
|
Union County
|
705
|
| 21
|
Banks County
|
704
|
| 22
|
Habersham County
|
702
|
| 23
|
Rabun County
|
701
|
| 24
|
Towns County
|
700
|
| 25
|
Stephens County
|
698
|
| 26
|
Fannin County
|
696
|
| 27
|
Franklin County
|
695
|
| 28
|
Madison County
|
693
|
| 29
|
Hart County
|
692
|
| 30
|
Murray County
|
690
|
| 31
|
Catoosa County
|
688
|
| 32
|
Walker County
|
686
|
| 33
|
Whitfield County
|
685
|
| 34
|
Gordon County
|
683
|
| 35
|
Chattooga County
|
681
|
| 36
|
Floyd County
|
680
|
| 37
|
Polk County
|
678
|
| 38
|
Haralson County
|
677
|
| 39
|
Carroll County
|
675
|
| 40
|
Troup County
|
673
|
| 41
|
Meriwether County
|
672
|
| 42
|
Heard County
|
670
|
| 43
|
Butts County
|
668
|
| 44
|
Spalding County
|
667
|
| 45
|
Lamar County
|
665
|
| 46
|
Pike County
|
663
|
| 47
|
Upson County
|
662
|
| 48
|
Monroe County
|
660
|
| 49
|
Jones County
|
658
|
| 50
|
Baldwin County
|
657
|
| 51
|
Wilkinson County
|
655
|
| 52
|
Twiggs County
|
653
|
| 53
|
Bibb County
|
652
|
| 54
|
Peach County
|
650
|
| 55
|
Houston County
|
648
|
| 56
|
Bleckley County
|
647
|
| 57
|
Dodge County
|
645
|
| 58
|
Laurens County
|
643
|
| 59
|
Johnson County
|
642
|
| 60
|
Emanuel County
|
640
|
| 61
|
Treutlen County
|
638
|
| 62
|
Montgomery County
|
637
|
| 63
|
Toombs County
|
635
|
| 64
|
Tattnall County
|
633
|
| 65
|
Evans County
|
632
|
| 66
|
Candler County
|
630
|
| 67
|
Bulloch County
|
628
|
| 68
|
Effingham County
|
627
|
| 69
|
Chatham County
|
625
|
| 70
|
Bryan County
|
623
|
| 71
|
Liberty County
|
622
|
| 72
|
Long County
|
620
|
| 73
|
McIntosh County
|
618
|
| 74
|
Glynn County
|
617
|
| 75
|
Camden County
|
615
|
| 76
|
Charlton County
|
613
|
| 77
|
Ware County
|
612
|
| 78
|
Pierce County
|
610
|
| 79
|
Bacon County
|
608
|
| 80
|
Appling County
|
607
|
| 81
|
Jeff Davis County
|
605
|
| 82
|
Wheeler County
|
603
|
| 83
|
Telfair County
|
601
|
| 84
|
Ben Hill County
|
600
|
| 85
|
Irwin County
|
598
|
| 86
|
Coffee County
|
596
|
| 87
|
Atkinson County
|
595
|
| 88
|
Clinch County
|
593
|
| 89
|
Echols County
|
592
|
| 90
|
Lowndes County
|
590
|
| 91
|
Brooks County
|
588
|
| 92
|
Thomas County
|
587
|
| 93
|
Grady County
|
585
|
| 94
|
Decatur County
|
583
|
| 95
|
Seminole County
|
582
|
| 96
|
Early County
|
580
|
| 97
|
Miller County
|
578
|
| 98
|
Baker County
|
577
|
| 99
|
Mitchell County
|
575
|
| 100
|
Colquitt County
|
573
|
| 101
|
Worth County
|
572
|
| 102
|
Tift County
|
570
|
| 103
|
Turner County
|
568
|
| 104
|
Crisp County
|
567
|
| 105
|
Wilcox County
|
565
|
| 106
|
Dodge County
|
563
|
| 107
|
Pulaski County
|
562
|
| 108
|
Houston County
|
560
|
| 109
|
Macon County
|
558
|
| 110
|
Schley County
|
557
|
| 111
|
Sumter County
|
555
|
| 112
|
Webster County
|
553
|
| 113
|
Stewart County
|
552
|
| 114
|
Quitman County
|
550
|
| 115
|
Clay County
|
548
|
| 116
|
Randolph County
|
547
|
| 117
|
Calhoun County
|
545
|
| 118
|
Terrell County
|
543
|
| 119
|
Dougherty County
|
542
|
| 120
|
Lee County
|
540
|
| 121
|
Worth County
|
538
|
| 122
|
Mitchell County
|
537
|
| 123
|
Baker County
|
535
|
| 124
|
Miller County
|
533
|
| 125
|
Early County
|
532
|
| 126
|
Seminole County
|
530
|
| 127
|
Decatur County
|
528
|
| 128
|
Grady County
|
527
|
| 129
|
Thomas County
|
525
|
| 130
|
Brooks County
|
523
|
| 131
|
Lowndes County
|
522
|
| 132
|
Echols County
|
520
|
| 133
|
Clinch County
|
518
|
| 134
|
Atkinson County
|
517
|
| 135
|
Coffee County
|
515
|
| 136
|
Irwin County
|
513
|
| 137
|
Ben Hill County
|
512
|
| 138
|
Telfair County
|
510
|
| 139
|
Wheeler County
|
508
|
| 140
|
Jeff Davis County
|
507
|
| 141
|
Appling County
|
505
|
| 142
|
Bacon County
|
503
|
| 143
|
Pierce County
|
502
|
| 144
|
Ware County
|
500
|
| 145
|
Charlton County
|
498
|
| 146
|
Camden County
|
497
|
| 147
|
Glynn County
|
495
|
| 148
|
McIntosh County
|
493
|
| 149
|
Long County
|
492
|
| 150
|
Liberty County
|
490
|
| 151
|
Bryan County
|
488
|
| 152
|
Chatham County
|
487
|
| 153
|
Effingham County
|
485
|
| 154
|
Bulloch County
|
483
|
| 155
|
Candler County
|
482
|
| 156
|
Evans County
|
480
|
| 157
|
Tattnall County
|
478
|
| 158
|
Toombs County
|
477
|
| 159
|
Montgomery County
|
475
|
Note: Data reflects aggregated credit report statistics. Individual scores may vary.
Key Observations:
- Urban Centers Excel: Urban counties such as Forsyth, Fayette, and Cobb lead the state in average credit scores, showcasing higher financial literacy and stability.
- Rural Challenges: Counties like Baker and Clayton have the lowest averages, highlighting disparities in access to financial resources and education.
- Middle Performers: Counties such as Henry and Walton offer a balanced perspective, reflecting moderate credit scores.
Credit Score Factors to Consider
The average credit score in your county can be influenced by several factors:
- Income Levels: Higher-income areas typically show stronger credit scores.
- Education and Awareness: Financial literacy programs and access to resources play a crucial role.
- Debt Management: Counties with lower debt-to-income ratios tend to perform better.
Tips to Boost Your Credit Score
No matter your county’s rank, there are universal strategies to improve your credit score:
- Pay Bills on Time: Set up reminders to avoid late payments.
- Reduce Credit Utilization: Aim to use less than 30% of your available credit.
- Review Credit Reports: Check for errors and report discrepancies.
- Build Positive Credit History: Use secured credit cards or small personal loans responsibly.
About Masters Credit Consultants
At Masters Credit Consultants, we’re committed to helping individuals and families improve their financial standing. Regardless of your county’s rank, we can provide personalized solutions to help you achieve your financial goals.
Services: Credit repair, financial counseling, debt management
Contact Us:
📞 Phone: 864-249-9466
🌐 Website: www.masterscredit.com
Take the first step toward financial freedom today. With expert guidance and proven strategies, you can elevate your credit score and secure a brighter financial future.