Credit Test:
If
you are concerned about what joining the Debt Management Program
will do to your credit, please take this Credit Test to determine
if the Debt Management Program is right for you. Print this form
out and complete.
In the last two years have you ever been late with: (Circle your
answer) |
Your
Mortgage/Rent Payments? |
Yes |
No |
| Your
Credit Card Payments? |
Yes |
No |
| Your
Personal Loans? |
Yes |
No |
| Your
Utility Bills? |
Yes |
No |
| Are
your Credit Card bills at or near their limits? |
Yes |
No |
| Do
you have any Judgments against you? |
Yes |
No |
| Are
your wages being attached/garnished? |
Yes |
No |
| Are
any of your accounts in Collection? |
Yes |
No |
| Do
you have more than 6 credit cards with balances? |
Yes |
No |
| Are
you paying Late or Over-Limit Fees? |
Yes |
No |
Do
your monthly debt payments, including your mortgage or rent, exceed
36% of your income?
|
Yes |
No |
While
no creditor looks at credit the same way, if you answered YES to one
or more of the previous questions your credit may be less than perfect.
The Debt Management Program will allow you to pay back your debts
FASTER with a SMALLER payment. By paying your debt and making your
payments on time your credit will improve.
|
