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.

(Source: debtwizards.com)