18 U.S. Cities With The Worst Credit Scores. Is Your City One Of Them? Photo credit: CC license by Nicholas Eckhart 5. Columbus, Mississippi Jacksonville is by no means the only American city in which paying on time proves difficult for residents. Columbus is even worse, with a late payment rate of 0.65 in 2011. If you thought Columbus was bad wait till you hear about this South Carolina city next on the list… Prev5 of 19Next Facebook Comments comments