Scoring high

Affluent Dallas neighbor charges ahead with highest credit scores in Texas

Colleyville residents have great credit.

Photo courtesy of Local Government Federal Credit Union

Give the residents of Colleyville some credit. They’re able to brag about achieving the highest credit scores in Texas.

A new study from personal finance website WalletHub shows the median credit score of a Colleyville resident is 777. Among the 2,572 U.S. cities covered in the study, Colleyville nabs a 23rd-place tie for the highest median credit score. No other Texas city appears in the top 100.

FICO, the primary producer of credit scores in the U.S., characterizes 777 as a “very good” credit score. On the FICO scale, credit scores range from 300 to 850. A credit score anywhere from 740 to 799 is above the U.S. average “and demonstrates to lenders that the borrow is very dependable,” according to FICO.

WalletHub based the study on September 2021 data from TransUnion, one of the three major credit-reporting bureaus. In the study, The Villages, a retirement community in Florida, is the only city where the median credit score is above 800 — 806, to be exact.

Two other cities in the Dallas-Fort Worth area, Flower Mound and Coppell, rank second and third among Texas cities for the highest credit scores. The median score in Flower Mound is 762 (tied for 185th place nationally), while the median score in Coppell is 758 (tied for 262nd place nationally).

All three cities annually rank among the area's most livable and most affluent; homes in Colleyville average between $900,000 and $1.4 million.

Here are the other cities in the top 15 statewide:

The Woodlands (Houston), 757, tied for 287th nationally.
Keller (Dallas-Fort Worth), 756, tied for 300th nationally.
Allen (Dallas-Fort Worth), 750, tied for 428th nationally.
Georgetown (Austin), 749, tied for 446th nationally.
Frisco (Dallas-Fort Worth), 748, tied for 467th nationally.
Boerne (San Antonio), 743, tied for 568th nationally.
Cedar Park (Austin), 743, tied for 568th nationally.
Plano (Dallas-Fort Worth), 740, tied for 629th nationally.
Helotes (San Antonio), 739, tied for 659th nationally.
Montgomery (Houston), 738, tied for 681st nationally.
Friendswood (Houston), 732, tied for 784th nationally.
Rockwall (Dallas-Fort Worth), 732, tied for 784th nationally.

Among Texas’ biggest cities, Austin is the only one where the median credit score exceeds 700. In the Capital City, the median score is 713, tied for 1,208th nationally. San Antonio is next in line, at 664 (tied for 2,236th nationally), followed by Houston (662, tied for 2281st nationally), Dallas (661, tied for 2,299th nationally), and Fort Worth (615.5, tied for 2,545th nationally).

The only Texas city with a median credit score below 600 is Sugar Land, a Houston suburb. According to the study, the median score there is 571, putting it in 2,563rd place nationally. FICO identifies that as a “poor” credit score.

J. Keith Baker, a CPA and certified financial planner who teaches at Dallas College’s North Lake campus in Irving, tells WalletHub that the best way to improve or maintain your credit score is to pay your credit card balances in full every month.

“Some folks will close a credit card account thinking it will help them manage their spending and protect them from identity theft since they are not using an account,” Baker says. “While this may make sense for an individual’s financial situation, do not assume it will automatically improve your credit scores.”

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Animal News

Wills Point, Texas man charged with cruelty for abandoning 18 animals

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Lucas Wayne Penrod, charged with animal cruelty

Another animal cruelty case has emerged from Van Zandt County, resulting in the arrest of a Wills Point man: Lucas Wayne Penrod was charged with Cruelty to Nonlivestock Animals, a 3rd degree felony.

It began on Friday, October 24, when the Wills Point Police Department performed a welfare check at a mobile home within the city limits. Officers became concerned when they heard multiple dogs barking along with a foul odor of animal waste.

On October 25, after obtaining a search warrant, Wills Point PD and the SPCA of Texas ACI Unit entered the residence and found multiple animals living in deplorable conditions.

The mobile home was filled with trash and animal feces. The team discovered a total of 8 cats, 2 guinea pigs, 4 adult dogs, and 4 puppies, cruelly confined to the unsanitary living conditions on the property.

Two dogs were confined to filthy crates with no access to water.
Three puppies were in a small bathroom covered in urine and feces; one of the puppies was deceased and decomposing.
The guinea pigs were found in a cage without access to food or water.

Most of the animals showed signs of long-term neglect and were in dire need of urgent medical intervention. The animals were seized by the SPCA of Texas and transported to the organization's Dallas location for veterinary care.

Dog in cage Wills Point Lucas Wayne Penrod Dog abandoned in Wills Point by Lucas Wayne Penrod.SPCA

On October 26, Lucas Wayne Penrod, the owner of the animals, contacted an SPCA of Texas Investigator regarding the animals. The Investigator determined that Penrod had unlawfully allegedly abandoned the animals, failing to provide them with proper care, resulting in the death of one of the puppies and the critical state of the surviving animals.

On October 28, the SPCA of Texas Animal Cruelty Investigations (ACI) Unit obtained an arrest warrant for Penrod, who was apprehended by Tyler Police Department and booked into the Smith County Jail with a $50K bond. Penrod was charged with Cruelty to Nonlivestock Animals, a 3rd degree felony.

On November 1, at a civil custody hearing at the Van Zandt County Justice of the Peace Precinct 3 courthouse in Wills Point, Penrod relinquished custody of the 18 allegedly abandoned, cruelly treated animals to the SPCA.

"The squalid conditions these beautiful animals were living in were abhorrent--locked in spaces without food or water, in their own excrement," said SPCA of Texas ACI Unit Chief Investigator Courtney Burns, CAWA. "This is some of the worst mistreatment of domestic animals I've seen in my extensive career in animal cruelty investigations. In no small part, these pets owe their lives to the Wills Point Police Department. If it wasn’t for their quick thinking to involve us right away, I don't think the animals would have made it."

"This case perfectly illustrates the team effort that investigating and prosecuting animal cruelty cases in Texas is," Burns added. "We are extremely thankful to the Tyler Police Department for their efficient assistance in apprehending Penrod so that he can be brought to justice in the timeliest manner possible. And we are especially grateful to the Van Zandt County Sheriff’s Office and court system with whom we continue to partner to get justice for abused animals in their jurisdiction."