You May Have a Credit Problem If...

Your creditors keep calling you for payment.
You don't have a budget worked out.
You use your credit card to buy groceries and are not able to pay off the debt in full each month.
You pay bills at a check-cashing store or a Western Union instead of mailing them.
You have to cash your checks at a check-cashing store.
You use your credit card for cash advances at the ATM.
The banks won't let you open a checking account due to a history of bouncing checks.
You are thinking about filing for bankruptcy.
You have more than three Master Card-type credit cards.
You carry a balance on your gas card.
You carry a balance on your high-interest department store cards.
You only send in the minimum monthly payment on your bills.
You can't even afford the minimum monthly payment on your bills.
You had to drop cable TV or your cell phone because you couldn't afford it.
You owe more money on your car than it's worth (you’re “upside down” on the loan).
You can't afford your car payment, or you are over the mileage limit on your lease.
You've never seen your credit report.
When dining with friends, you often collect the cash and then pay with your credit card, even though you cannot pay the monthly bill in full.
You have been recently turned down for credit or a loan.
You don't have two months living expenses in the bank.
You are afraid to show your spouse the checkbook, and it is not reconciled.
You move around more than once per year because you can't afford the rent.