Credit bureau Experian released a report that said Charlotte-area consumers shoulder the highest debt among residents of the top 25 U.S. major metropolitan areas. The average debt per consumer in the Charlotte area was $32,984. Charlotte-Metro area also have the lowest credit score among the top 20 metro areas in the nation with an average VantageScore from Experian of 659.9 out of a range of 300 to 850. This piece of information alone justifies growth of Charlotte credit repair companies. Credit Repair Charlotte NC aim to get your credit score to the minimum level ( 620 ) required for conventional mortgage.