Credit bureau Experian released a report that said Austin -area consumers shoulder the highest debt among residents of the top 45 U.S. major metropolitan areas. The average debt per consumer in the Austin area was $28,240. Austin-Metro area also have the lowest credit score among the top 20 metro areas in the nation with an average VantageScore from Experian of 682 out of a range of 300 to 850. This piece of information alone justifies growth of Austin credit repair companies. Credit Repair Austin TX aim to get your credit score to the minimum level ( 620 ) required for conventional mortgage.