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Credit scores improved for many consumers as they paid down debt in September, according to a report released by Credit Karma Inc., a San Francisco-based company whose Web site tracks credit scores.

Nationally, 39% of consumer credit scores increased in September compared with 37% that did in August, according to data from approximately 72,000 Credit Karma user scores. Some 32% of consumers' credit scores remained the same in September compared with 34% that did in August. Also, 29% of consumers' credit scores decreased in September, the same as those that did in August.

Denver, which had the highest percentage of decreasing credit scores in August, had the highest percentage of increasing credit scores in September with 42% of consumers seeing an increase. Louisiana had the highest increase in credit card debt from June to September. The average Louisiana consumer with a credit card in September had $5,812 in credit card debt, according to the report.

The average consumer had $6,641 in credit card debt last month, down 2% from $6,775 in August. The average home mortgage loan was $190,096 in September, a 2.7% decrease from $195,386 in the previous month. Auto loans fell slightly to $14,402 from $14,439 a month earlier.

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