Experian’s third-annual State of Credit report found that the national average business credit score, broken down by city, dropped 4.4% from last year to a level of 55. The following are the best and the worst from the study:

Best cities based on average business credit risk score (lowest) are as follows:

1. Minneapolis, MN
2. Madison, WI
3. Wausau, WI
4. Sioux Falls, SD
5. Cedar Rapids, IA

--San Francisco and Boston also appeared in this top 10.

Worst Cities based on average business credit risk score (highest):

1. Harlingen, TX
2. Jackson, MS
3. Corpus Christi, TX
4. Shreveport, LA
5. Monroe, LA.

--Memphis and Myrtle Beach also appeared in "bottom" 10.

Most improved average credit scores (for consumers):

1. Bakersfield, CA
2. Sioux Falls, SD
3. Tyler, TX
4. Wichita Falls, TX
5. Fort Myers, FL

--Las Vegas and Dallas also appear in this top 10.