What kind of credit score would you give to this particular "family"?  Obviously they would score very poorly for their extreme credit limit and indebteness.  They are paying debts on time (for now) but what happens when the US hits the debt ceiling and stops paying their bills?  Current credit rating by S&P AA+.  Obviously there are limits to carrying this metaphor to all the details as a credit score does not have the same meaning as a credit rating.

___$13.5k______$20k_______$20k_______$25k_______$20k____
Starting Score: 676 Feb 2008; Current Score: 756 May 2013; Goal Score: above 780 this year
Oldest Account: 31.1 years; Current AAoA: 14.6 years; Current Utilization: 5.2%