San Francisco-based CreditKarma reports that although consumer credit card debt is down 3 percent since January, credit scores are worse.

High unemployment and a poor real estate environment have hurt credit scores even though people are paying off debt. Credit scores are down 2 points on average since the start of the year.

Among the report's findings:
o New Hampshire residents cut credit card debt by 11 percent–tops in the nation
o California, New Jersey and Massachusetts residents have the highest average credit score in the country at 685
o Arkansas has the lowest average credit score at 640.

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