Credit Analyzer

Find out your credit rating, based on your answers to the following 15 questions. Your credit rating will be based on a scale of 1-5. Remember, a real lender will use more complicated scoring to determine if you qualify for a loan.

Credit History

How long have your current revolving lines of credit been open?

In the last year, how many times have you applied for credit? (credit cards, car loans, mortgages)

How many lines of revolving credit (ie: credit cards) do you have open?

Negative Items

How many times have you paid 30 days late in the last year?

How many times have you paid 60, 90 or 120 days late in the last 3 years?

How many judgments/tax liens/repossessions (public records) have been filed against you in the last 2 years?

How many collection accounts or charge-offs have you had in the last 2 years?

Have you filed for bankruptcy?

How satisfied are you with your credit score?

Debt/Income Ratio

What percentage of your available lines of credit is currently charged?

How difficult is it for you to meet your financial obligations each month?

The ratings from this Credit Analyzer do NOT guarantee credit approval or rejection by a financial institution. The Credit Analyzer is only a tool to help you assess your credit standing. Credit grantors all employ their own methods and standards to make lending decisions. The Credit Analyzer is based solely on information provided by you, and does not include or predict the information actually contained in your credit report.

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Quick Poll

Credit repair companies are a ...

	total scam; the only way to clean your credit is to wait 7 years.
	total scam; anything a credit repair company can do, you can do yourself.
	good resource for people who need help cleaning their credit reports.
	best starting point for anyone who has a bad credit score.
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