What Is Your FICO Credit Score?

Lenders use FICO scores to decide whether to lend you money, and what interest rate you'll get. It's very important that you have a good score, or else you'll be denied auto loans, mortgage loans, or even cell phone or other payment plans. Insurance companies are even using your FICO score to decide what to charge you! If you want to qualify for any loan and get a low interest rate that will save you a ton of money, you need to have a solid FICO score.

FICO scores range from 300 to 850. Most people have a pretty decent score--the median is 723. That score will get you favorable loans. But if you're the type of person who is late on your bills or maxes out your cards or commits any number of other credit no-nos, your score will be much less than this. And to put it simply, a low FICO score sucks. So you want to know, what's your FICO score? This quiz will give you a good idea. Answer honestly.

1. What is your age?
Under 18 Years Old
18 to 24 Years Old
25 to 30 Years Old
31 to 40 Years Old
41 to 50 Years Old
51 to 60 Years Old
Over 60 Years Old
2. What is your gender?
Male
Female
3. In the last three years, how often have you signed up for new credit cards, including store cards that tempt you with a discount?
Zero
One
Two or three
Four or five
More than five
4. On your most-used credit card, how close to the maximum balance do you use on a typical month? (in the past year, for example)
I'm usually close to maxed out
I'm usually more than halfway to my max
I'm usually half to the max
I'm below half, and rarely go above that
I usually keep a very low balance
I don't use a credit card
5. In the last two years, about how many months went by in which you did not make the minimum credit card payment?
I always make at least the minimum payment
One or two months
Three or four months
Five or more months
I don't use a credit card
6. How many loans have you been paying off in the last three years? Include payment plans for jewelry, electronics, etc. as well as auto, student and mortgage loans.
Zero
One or two
Three or four
Five or more
7. In how many months did you miss a payment on any of these loans? Consider each one individually and add them all up.
I never missed a payment
One or two
Three or four
Five to seven
Eight or more
I haven't had any loans
8. Which of these sentences apply to you?
When I owe money, I make the minimum or expected monthly payments
When I owe money, I pay it down ahead of time
When I owe money, I sometimes have a hard time paying it back
9. How long have you had your longest actively-used credit card?
Less than two years
Two to four years
Five to eight years
Nine or more years
No credit card!
10. On your longest-held loan, how long have you gone without missing a payment?
Less than one year
One to two years
Three to five years
Six to ten years
More than ten years
Haven't had any loans
11. Do you have any collection agencies after you?
Yes
No, but yes within the last three years
No
12. What grade would you give yourself for how diligently you've managed your debts, checked your credit report for errors, and tried to achieve the best possible credit score?
A, worked diligently to keep everything in top order
B, made a mostly successful effort
C, so-so
D, done poorly or haven't really tried
F, failed or just haven't tried

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