What’s Your Credit Confidence Level?

Instructions: Choose the answer that sounds most like you in each scenario. Tally your points and check your results at the end!

1. Your credit card bill just hit your inbox. What’s your next move?

A. I already paid it off last week, thank you very much. (5 points)

B. I’ll make a payment by the due date... I think. (4 points)

C. I’ll pay the minimum and deal with the rest later. (3 points)

D. Wait—credit card bill? I haven’t even looked. (1 point)

2. Your friend just told you they got approved for a new car loan. You’re thinking:

A. I know my credit score and I’m confident I’d be approved too. (5 points)

B. I’m not sure, but I think I’m in decent shape. (4 points)

C. Let me Google how credit scores even work real quick. (2 points)

D. I avoid anything that requires a credit check like the plague. (1 point)

3. How often do you check your credit score or report?

A. Monthly, like clockwork! (5 points)

B. A few times a year, when I remember. (4 points)

C. Once a year—doesn’t everyone do that? (3 points)

D. Umm… never? Where do you even find that? (1 point)

4. You see a store offering a credit card discount at checkout. What do you do?

A. No thanks—I’m strategic about my credit usage. (5 points)

B. I already have that store card. I use it wisely. (4 points)

C. If the discount’s good, I’ll apply and worry about the rest later. (2 points)

D. Heck yeah, I apply every time—it’s free money, right? (1 point)

5. You’ve got an unexpected $1,000—what’s your move?

A. Pay down my highest-interest debt first, obviously. (5 points)

B. I’d probably split it between debt and savings. (4 points)

C. Treat myself a little… then we’ll see what’s left for bills. (3 points)

D. Catch flights, not feelings—or bills. (1 point)

6. A credit collector calls you. What do you do?

A. Politely inform them the debt is settled or negotiate confidently. (5 points)

B. Ask questions and try to work something out. (4 points)

C. Get nervous, panic, and maybe hang up. (2 points)

D. Let it go to voicemail every time. Blocked! (1 point)

7. Which best describes your current credit goal?

A. 850 or bust, baby! (5 points)

B. Improve by 50–100 points in the next year. (4 points)

C. Just want to stop getting denied. (3 points)

D. I don’t really have a goal—I’m overwhelmed. (1 point)

SCORE BREAKDOWN

• 31–35 Points: Credit Queen/King You’re confident, consistent, and on top of your credit game. You understand how credit works and you’re using it to your advantage. Keep it up—and maybe teach a friend a thing or two!

• 25–30 Points: Credit Curious You’ve got a good grasp on credit but might need a bit more structure or strategy. A few tweaks could get you to the next level. You’re closer than you think!

• 17–24 Points: Credit Cautious You’re aware that credit matters but unsure how to work it to your benefit. It’s time to stop winging it and start winning with a solid plan.

• Below 17 Points: Credit on the Rocks Don’t panic, but do take action. Your current habits could be hurting you more than helping. The good news? You’re not alone—and with the right guidance, you can bounce back stronger.