Change Your Attitude, Repair Your Credit

Impatient people have lower credit scores according to a study released in December 2011. But, new data shows a correlation between rudeness and high credit scores. According to a Huffington Post article, some of the rudest cities in the nation are also homes to consumers with the highest credit scores.

Based on an annual survey from Travel + Leisure magazine, New York, Miami, D.C., Los Angeles, and Boston are the top 5 rudest cities in the nation. And, Huffington Post says, 4 of those 5 cities also have credit scores higher than the national average: D.C. 686, Los Angeles 684, Boston 687, and New York 682.

What do people in these cities have that residents of other cities don’t? Huffington Post suggests their aggressive nature keeps them on top of their accounts and paying on time. HP also points out that cities with diversity may encourage consumers to diversity their financial accounts. The mix of your credit accounts is 10% of your credit score, so having different kinds of accounts, credit card and loans, helps your credit score.

In addition, Travel + Leisure says that big cities are known for being direct. Directness can be interpreted as rude, but it might also help you get negative details removed from your credit report or convince a creditor to lower your interest rate or remove a late penalty