New York Residents Are the 9th Most Diligent With Credit in the U.S. - Study

With inflation driving up the cost of borrowing and millions of Americans facing identity theft and fraud each year, the personal-finance company WalletHub released its report on the Cities Where People Are the Most Diligent With Credit in 2025. The study highlights where residents face the lowest risks of credit score damage, fraud, and other financial setbacks.

To create the rankings, WalletHub analyzed 100 of the largest U.S. cities using six key measures of credit awareness and diligence, ranging from the percentage of residents who have missed payments to the percentage of frozen credit reports and active bankruptcies.

Diligence With Credit in New York (1= Most Diligent; 25 = Average):

• Overall Rank: 9^th
• 10th – Percentage of Customers Who Have Collections Tradelines (Q2 2025)
• 27th – Percentage of Frozen Credit Reports (Q2 2025)
• 17th – Percentage of Customers Who Have Missed Payments (Q2 2025)
• 12th – Percentage of Customers Who Have Foreclosures (Q2 2025)
• 27th – Percentage of Customers Who Have Filled a Dispute in the Last Three Quarters (Q4 2024, Q1 2025 & Q2 2025)