Despite all the negative news about the US economy, average credit scores for US consumers are still pretty good.  According to Credit Karma, the average credit score for U.S. consumers has stayed fairly steady, dropping only 8 points within the last few months.

The average credit score of US consumers now stands at 669.  Miami consumers have the lowest credit scores, with an average of 654, or 15 points below the national average.

Consumers lowered their credit card debt in January, 2010, decreasing debt 2% over December 2009.  The average credit card debt in January was $7,925, a decrease for from $8,079 in December 2009.  Consumers in four states - Kentucky, Minnesota, Oregon and West Virginia reduced credit card debit even more, decreasing amounts owed by 5%.

Ken Lin, Credit Karma's CEO, predicted that credit scores will hold steady in 2010.   Lin believes people are getting a handle on their finances and have a greater sense of how credit scores affect their lives.

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