What's Your Credit QuotientJanuary 11th, 2016
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.
Provision of this calculator is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations.