Research by TotallyMoney revealed Kingston upon Thames was the town at the top of the table, with the highest average credit score of 547.
Greater London areas were also shown to be the best performers, with seven locations ranking in the top 20, such as Harrow, Twickenham, Sutton, Slough, Enfield, and Ilford.
The second-best performer was Hertfordshire, with three locations ranking in the top 20. Watford, Hemel Hempstead, and St Albans took places second, seventh and 12th respectively.
Although Cleveland took last place with an average credit score of 513, Yorkshire was revealed to be the worst performing county overall, with six locations taking places in the bottom 20.
Second from last was Doncaster, which has an average credit score of 514, while Hull also ranked in the bottom five, with an average credit score of 515.
Wolverhampton in the West Midlands also featured in the bottom five, one spot below Hull.
Two areas in Scotland, Dundee and Kilmarnock, ranked in the bottom 20. Although locations in Wales didn’t rank in the top 20, they didn’t rank in the bottom 20 either.
TotallyMoney head of brand and content Joe Gardiner said: “Your credit score gives you a handy snapshot of how well you’re managing your money. And the credit ‘haves’ in the South East score higher than the credit ‘have nots’ in the North.