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 Import questions





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You pay off your credit card every month in full.
+45
You moved to a new house and had to change addresses.
No change
You went to Cold Stone to get ice cream and paid with a gift card.
No change
You celebrated your birthday this month!
No change
You bought $200 of groceries on your debit card.
No change
You never spend more that $250 on your $1,000 limit on your credit card.
+25
Chase Bank took you to court over your $5,000 unpaid balance.
-70
You went to Kohl’s and they offered you a rewards credit card but you said NO.
+5
You have an auto loan, mortgage and 2 credit cards.
+25
You went to Applebee’s for dinner and paid cash.
No change
You got a tax return for $1500 and used it to pay your credit card debit.
+35
You paid $50 over the payment on your student loan.
+25
You co-signed with a loan with your brother and he did not pay.
-60
You disputed and removed an item that wasn’t yours on your credit report.
+35
You closed a credit card you’ve had for 10 years.
-30
You filed for bankruptcy
-150
You’ve been paying your auto loan on time for two years.
+75
You are victim of identity theft.
-70
You pay off your credit card every month in full.
+45
You got an auto loan with 3% interest.
No change
You forgot and paid your car loan 30 days late.
-70
You went $200 over on your credit limit.
-25
You got a raise at work!
No change
You have had a credit card with the same bank for six years.
+15
You have maxed out or spent to your credit limit on all your credit cards.
-30
You bought a house!
-15
You got an auto loan with a 20% interest rate.
No change
You have spent over your credit limit of $1000.
-30
You went to the movie theater and paid in cash for the ticket.
No change
You applied for a credit card with Old Navy.
-5
Your hours were cut at work and therefore you made less money.
No change
You have only paid the minimum amount on your credit card for one year.
-35
You decide to open a Target, Walmart and Costco Card.
-30
You have 3 credit cards.
+30
You paid your credit card bill on time.
+10
You made your mortgage payment of $1,200 on time.
+25
You applied for a car loan.
-5
You wrote a check for $650 for your apartment rent.
No change
You paid your past due care loan.
+30
You signed up for a Macy’s card because you got 20% off your first purchase.
-5
Your garage door broke and you paid $350 in cash to get it fixed
No change
You got married!
No change
You went to a credit counselor to help you budget and save your money
No change
You paid your $350 car loan payment on time
+10
You haven't paid your cell phone bill in six months and it has been sent to a collection agency
-100
You paid your electricity bill on time this month
No change
You never spend more than $125 on your credit card with a $500 credit limit
+50
You pay off your Target Credit Card
+5
Your family had a baby!
No change
You haven't paid your home mortgage and the bank took it back
-125
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