 from Massachusetts rank fourth on the list for being on the ball when it comes to managing debt responsibility and monitoring credit reports for inaccuracies. Credit diligence also describes people who take credit most seriously and care about protecting themselves from credit score damage. Stocks are mixed on Wall Street. The Dow is up 45 points, the Nasdaq up 15, the S&P down one. I'm Erica Herskowitz, Bloomberg Business on WBZ, Boston News Radio.