Credit bureau Experian released a report that said Los Angeles-area consumers shoulder the highest debt among residents of the top 30 U.S. major metropolitan areas. The average debt per consumer in the Los Angeles area was $28,240. Los Angeles-Metro area also have the lowest credit score among the top 20 metro areas in the nation with an average VantageScore from Experian of 668 out of a range of 300 to 850. This piece of information alone justifies growth of Los Angeles credit repair companies. Credit Repair Los Angeles CA aim to get your credit score to the minimum level ( 620 ) required for conventional mortgage.