Comprehensive Local Credit Card Guide

Credit Cards in 44035 (Elyria, OH)

Credit Card Debt in 44035

^ Average credit card debt in 44035 is approximately $4,817, based on overall Ohio data. ^[1]

Credit Card Delinquency in 44035

^ Based on overall Ohio data, the credit card delinquency rate in Elyria is approximately 0.57%. ^[2]

Credit Scores in 44035

^ The average credit score in Elyria is approximately 699, based on collective Ohio data. ^[3]

Credit Card & Personal Finance Statistics in 44035

Credit Card Debt in 44035

44035 Credit Card Debt
- The estimated average credit card debt for 44035 residents is $4,817. ^[1]
- Average credit card debt amount in Ohio (all cities) is 3% less than the national average of $4,965.
- Collectively, Ohio cities rank 28th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 44035

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44035 Credit Scores

Credit Scores in 44035
- Residents of 44035 (OH) have an estimated average credit score of 699. ^[3]
- The average credit score in Ohio (all cities) is 0.43% greater than the national average score of 696.
- Ohio collectively ranks 29th in the U.S. in average credit score of residents. ^[3]

More 44035 (Elyria, OH) Credit Stats

Credit card delinquency rates in Ohio ^[2]
- Ohio residents (all cities) rank 22nd in the U.S. with a rate that is exactly equal to the national average of 0.57%.

Cardholders in 44035 who are more than 90 days late on payments
- Ohio Rate: 0.57%
- National Average: 0.57%

Statute of limitations for credit card debt in 44035 ^[4]
- 44035 (Ohio) Law: 6 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 44035 (Elyria, OH)

Recent credit card complaints originating from consumers in 44035, OH. Local consumers submitted these credit card complaints to the Consumer Financial Protection Bureau (CFPB). The date of the complaint, type of complaint and status of the inquiry are listed below.^[5]

Consumer Complaints by Issue in 44035

Complaint Issue	Number of Complaints*
Incorrect information on your report	79
Improper use of your report	38
Problem with a credit reporting company's investigation	27
Attempts to collect debt not owed	11
Managing an account	7
Other	59

* Total 2021 - 2024 (current)

Additional information about Ohio

About 44035

44035 is associated with the city of Elyria, which is located in Lorain County in the state of Ohio. ^[6]

44035 Credit Cards

For more information about 44035 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

A lot can be learned by looking at the first digits of a credit card. For example, MasterCards all begin with numbers between 51 and 55.

Other ZIP Codes in Ohio

Cities in OH

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Ohio State Legislature

5. ^ Consumer financial complaints in 44035

6. ^ United States Census Bureau