Most Americans don't have very good credit, unless you live in Silicon Valley, New York City, or Chicago, according to Bloomberg. Out of a maximum possible score of 850, the country as a whole scores only 604, below what's considered average: 687. Manhattan's Gramercy park, however, has an average credit score of 720. Not far from there, Brooklyn Heights has an average credit score of 716. 

Chicago, meanwhile, boasts the high-credit neighborhoods of Lake View (707) and Lincoln Park (705). On the other end, west coast cities heavily involved in the tech industry had better credit: Seattle had an average of 719, Mountain View had an average of 748, Sunnyvale score 730 and San Francisco scored 707. 

Does anyone at all have that elusive 850 credit score? Some. U.S. News and World Report says that about 0.5 percent of consumers have perfect credit. So, take a population of 318,857,056, minus the 23.1 percent under 18, and we get 245,201,077 consumers. 0.5 percent of that is 1,226,005 people walking around with perfect credit.