Atlanta, just how bad are we at managing money?

Fine. You want to say we’re not frugal. Well, okay. You want to say that is not good money management? Well, sure. If you wanna get, y’know, technical.

Well, maybe. If you believe a report from CreditCards.com, then metro Atlanta residents aren't just a little undisciplined about money, we're the fifth-worst at managing money in the United States.

Yup. That’s what they say.

What they did was look at the area's median household income, median age, unemployment rate and education level and calculate the kind of credit score we should have. And there's a mismatch, says CreditCards.com. Instead of a decent score, something like an average performance, Atlanta has the third-worst average credit score among the 25 largest metro areas.

Los Angeles metro area residents are the best at managing money and Baltimore residents are the worst, according to CreditCards.com.

CreditCards.com is a bank-sponsored web site offering consumers a chance to compare hundreds of credit card offers and lots of other credit card-related stuff.

Now, hook for this report is that the company is also marketing its new app offering to give consumers free access to their credit scores. They encourage people to use that kind of technology to review their account information at least once a week and their credit reports at least once a month to catch errors and avoid late payments.

We don’t want to believe there is anything wrong with our handling of money, no sir. But um, maybe there’s something to it. We tried to fill up that latte and they wouldn’t take the card.