18 U.S. Cities With The Worst Credit Scores. Is Your City One Of Them? Photo credit: CC license by Angela Severn 2. Tulsa, Oklahoma Tulsa’s VantageScore is better than Bluefield’s, but not by much; the city clocked in an average VantageScore of 664 for 2013. Credit card debt is obviously a problem in Tulsa; the average card holds a balance of $4,592. Unfortunately this isn’t the only Oklahoma city to make this list… Prev2 of 19Next Facebook Comments comments