1. You pay the bills for your mortgage, car loan, or other debts:

A.  On time every month for the last 24 months B.  Late once or twice in last 24 months C.  Late more than twice in the last 24 months D.  I don't have any loans or debts

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2. How old is your oldest open credit card?

A.  More than 30 years old B. 10-30 years old C.  0-10 years old D.  I don't have any credit cards

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3. You pay your credit cards:

A.  In full every month B.  Every month, paying at least the minimum C.  Most months, when you have the cash D.  I don't have any credit cards

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4. Have you ever filed for bankruptcy?

A.  No, never B.  Yes, more than 10 years ago C.  Yes, within the last 10 years

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5. Currently, your total credit card balances are:

A.  Under 30% of your total available credit B.  30-60% of your total available credit C.  Above 60% of your total available credit D.  Almost maxed out!! E.  I don't have any credit cards

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6. Do you own a home?

A.  Yes B.  No

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7. Your household income:

A.  Doesn't cover your basic expenses B.  Barely covers your basic expenses C.  More than covers your expenses...shopping spree! D.  More than covers your expenses...and goes into savings.

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8. You are:

A.  a Guy B.  a Girl

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