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.

Created by: Isaac

  1. What is your age?
  2. What is your gender?
  1. In the last three years, how often have you signed up for new credit cards, including store cards that tempt you with a discount?
  2. 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)
  3. In the last two years, about how many months went by in which you did not make the minimum credit card payment?
  4. 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.
  5. In how many months did you miss a payment on any of these loans? Consider each one individually and add them all up.
  6. Which of these sentences apply to you?
  7. How long have you had your longest actively-used credit card?
  8. On your longest-held loan, how long have you gone without missing a payment?
  9. Do you have any collection agencies after you?
  10. 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?

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Quiz topic: What Is my FICO Credit Score?