U.S. consumers’ average credit card debt fell by 7.4% through the first 11 months of the year, while the average November credit score dropped a point from October’s score, according to data Credit Karma released this week.

Consumers’ average credit card debit in November was $7,336 compared with $7,925 in January. November’s totaled also represents a 0.6% drop from $7,382 in October, according to the San Francisco-based company whose website tracks credit scores and household debt. Average card debt in November was down 6.9% compared with $7,879 a year earlier.

The average U.S. credit score in October held steady at 665, down one point from 666 in October and down four points from 669 in January, Credit Karma says. The average credit score in November 2009 was 671.

Only consumers in Louisiana, Mississippi and Nebraska increased their credit card debt. Moreover, consumers in 14 states paid down their credit card balances by more than the national average since January.

“While consumers remain focused on paying down their credit cards, credit scores have decreased since the beginning of the year,” Ken Lin, CreditKarma.com CEO, said in a statement. “We suspect consumers’ credit scores may be affected by larger economic factors, such as a weak housing market, continued unemployment and lack of available credit.”

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