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