How do you recognize a credit-card fueled city with a fake economy full of $30k millionaires?

''Here's a list of major cities ranked top to bottom by credit score. No surprises. Want to see a bunch of $30k millionaires faking it on plastic? Head to Dallas, Houston, Phoenix, Atlanta, LA and Miami. The cruelest reality will be when you have a debt-fueled fake city which also has the misfortune of being a REIC-infested housing crash city.''