Credit bureau Experian released a report that said New Orleans-area consumers shoulder the highest debt among residents of the top 15 U.S. major metropolitan areas. The average debt per consumer in the New Orleans area was $28,240. New Orleans 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 New Orleans credit repair companies. Credit Repair New Orleans aim to get your credit score to the minimum level ( 620 ) required for conventional mortgage.