Calculator: What's Your Credit Quotient
Credit makes a lot of the things we need and enjoy possible. Handled well, credit is normal and necessary. If you're
not sure about your credit habits, take this test to gain some perspective.
Your credit quotient
If you scored 15 points or fewer, you're doing a fine job managing your credit. Congratulations.
If you scored 16-31 points, some of your habits may have you heading for trouble. Call a credit moratorium until you
have a better grip on timely payments and unnecessary expenses.
If you scored 31 or more, you already know that credit is causing stress in your life. You can turn that around by
consulting professionals at your credit union or by contacting a nonprofit
credit counseling agency and investigating your options.
Published November 11, 1999, Reviewed April 23, 2007
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