Credit bureau Experian released a report that said Dallas-area consumers shoulder the highest debt among residents of the top 15 U.S. major metropolitan areas. The average debt per consumer in the Dallas area was $28,240. Dallas-Fort Worth also have the lowest credit score among the top 20 metro areas in the nation with an average VantageScore from Experian of 708 out of a range of 300 to 850. This piece of information alone justifies growth of Dallas credit repair companies. Credit Repair Dallas TX aim to get your credit score to the minimum level ( 620 ) required for conventional mortgage.