With the New Year, people often make resolutions to fix problem financial situations. Part of cleaning an individual’s financial house includes taking a hard look at his or her credit. Credit Score Savvy (2003) was one of my earlier articles that I wrote for a local magazine. At that time, I was a loan officer and found that many people were confused by FICO scores and credit issues. In the article I explained factors that affected scores and the ability to finance a home. Although the market has changed since then, a lot has remained the same in terms of confusion about credit issues. A more recent article titled Polish up Your Credit includes some information about things people can do to improve his or her credit score now. What may be most useful from this article are some of the statistics. The following chart provides answers to some of the most basic credit-related questions.