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.”