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The Dallas Morning News personal finance column.

The Dallas Morning News (Dallas, TX)

| September 27, 2004 | This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan. All inquiries regarding rights should be directed to the Gale Group. (Hide copyright information)Copyright

Byline: Pamela Yip

Sep. 27--CONSUMERS: GET TO KNOW THE SCORE: Which of the following does a credit score mainly indicate?

A. Knowledge of consumer credit

B. Attitude toward consumer credit

C. Amount of debt

D. Risk of not paying a loan

E. Financial ability to pay

If you answered D, give yourself a gold star. You're smarter than most people.

In a recent national survey by the Consumer Federation of America and Providian Financial, only one-third of consumers correctly understood that credit scores indicate your risk of not repaying a loan. (The amount of debt you're carrying does help determine your…

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