If you live in the upper Midwest, congratulations. You have some of the best credit scores in the entire nation.

According to Experian's "2015 State of Credit Report," four of the top 10 cities with the highest average credit scores are located in Minnesota.

The figures are based on consumer data and credit characteristics in the 100 largest metropolitan areas as determined by the Census Bureau.

On average, U.S. consumers have a 669 credit score on the VantageScore. VantageScore is a credit scale that runs from 300 to 850.

Here are the 10 cities with the highest average credit scores:

  1. Mankato, Minn. — 706
  2. Rochester, Minn. — 705
  3. Minneapolis, Minn. — 704
  4. Fargo, N.D. — 701
  5. Wausau, Wis. — 701
  6. Duluth, Minn. — 701
  7. Sioux Falls, S.D. — 700
  8. Green Bay, Wis. — 700
  9. La Crosse, Wis. — 699
  10. Cedar Rapids, Iowa — 699

The biggest factors that determine a consumer’s credit scores are payment history and amount of debt relative to credit limit. So people who make loan payments on time, and use very little of their credit cards’ available credit, tend to have the best credit scores.

(Credit.com)