 TITLE: Do Millennials Have Higher Credit Scores in Urban or Rural Areas? CONTENT: More Research Is Needed\n-----------------------\nWhile our analysis shows that millennials in urban areas do have higher credit scores, it doesn't conclusively explain the reason for the disparity. The answer may lie in the lifestyle differences between urban millennials and their rural peers, which could help to explain why the two groups use credit in different ways. Those in urban areas, for example, may be more likely to rent (rather than own their home) or not to own a car, but they also tend to earn more money and have higher overall debt loads. END