Credit bureau Experian released a report that said Washington-area consumers shoulder the highest debt among residents of the top 35 U.S. major metropolitan areas. The average debt per consumer in the Washington area was $41,394. Washington-Metro area also have the lowest credit score among the top 20 metro areas in the nation with an average VantageScore from Experian of 674 out of a range of 300 to 850. This piece of information alone justifies growth of Washington credit repair companies. Credit Repair Washington DC aim to get your credit score to the minimum level ( 620 ) required for conventional mortgage.