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What Your Score Means

Compare your total score to the chart below. You may find that your credit situation is better than you thought. On the other hand, if your score indicates that your credit situation is deteriorating, you may want to give your lenders or even a credit counselor a call to see if they can help you

 Credit Alert Test Results

If YOU Scored 12 points or less:
Chances are you're doing an "excellent" job establishing and maintaining your credit. You might want to order a credit report on yourself just to make sure there are no reporting errors.

If YOU Scored 13-25 points:
You should keep an eye on your finances and possibly cut back on your spending until your situation improves. Order a credit report on yourself to see how lenders view your particular situation. Then read our section on Tips For Better Borrowing.

If YOU Scored over 25 points:
In all likelihood, you're probably experiencing some financial difficulty at this time, and maybe even struggling to make ends meet. We strongly suggest that you order a credit report on yourself right away to see if there are any derogatory items being reported about your credit situation. You may also want to contact your lenders if you are late with your payments and find out about Credit Counseling to help you regain control of your financial situation.


This chart is for your information only. It is intended to educate you about the importance of maintaining your credit and to alert you to some of the early warning signs of being overextended.

© 1997 THE FORMS GROUP, A Division of
CREDIT INTERCHANGE OF AMERICA, INC.
All Rights Reserved