Credit problems can be caused by any number of things: overspending, failure to budget, loss of a job, bad investments, divorce, death or unexpected emergency. Fortunately, there are a number of things you can do to improve your situation, and there are many sources of outside help. Answer the following questions honestly to see if you have a problem with credit:

1. Are you at or near the limit of your lines of credit?
   Yes No

2. Can you make only minimum payments on your credit cards?
   Yes No

3. Is the amount of your new purchases a surprise each month?
   Yes No

4. Are you frequently taking cash advances on your credit cards?
   Yes No

5. Are you usually late paying your bills?
   Yes No

6. Are you borrowing to pay for items you used to pay for with cash (e.g., groceries, etc.)?
   Yes No

7. Are you tapping into your savings to pay your current bills?
   Yes No

8. Do you put off medical or dental visits because of lack of money?
   Yes No

9. Do you have savings equal to less than three months of income?
   Yes No

10. Is an increasing percentage of your income going to pay off debt?
    Yes No

11. Are you unsure how much you owe?
    Yes No