Credit bureau Experian released a report that said San Jose-area consumers shoulder the highest debt among residents of the top 15 U.S. major metropolitan areas. The average debt per consumer in the San Jose area was $28,240. San Jose also have the lowest credit score among the top 20 metro areas in the nation with an average VantageScore from Experian of 708 out of a range of 300 to 850. This piece of information alone justifies growth of San Jose credit repair companies. Credit Repair San Jose aim to get your credit score to the minimum level ( 620 ) required for conventional mortgage.