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Your credit score could reveal how healthy you are, a new study has found.

Researchers studied 1,000 New Zealanders for 38 years - and found a strong relationship between low credit scores and poor cardiovascular health, the Daily Mail reports.

They say many of the issues that affect our credit rating can also have an impact on our health.

The new analysis is from a long-term study of the physical and mental health of more than 1,000 New Zealanders who have been monitored continuously from birth to age 38.

The latest paper from the study, appearing this week in the Proceedings of the National Academy of Sciences, has found a strong relationship between low credit scores and poor cardiovascular health.

'What it comes down to is that people who don't take care of their money don't take care of their health,' said study leader Terrie Moffitt from Duke University.

'This doesn't mean that poor financial management hurts your health,' post-doctoral researcher Salomon Israel of Duke University says.

'It's that the sort of personal attributes that can lead to a poor credit score can also contribute to poor health.'

This and other studies from the Dunedin Multidisciplinary Health and Development Study in New Zealand have found that self-control, planning ahead and perseverance are attributes that predict both better financial status and better health.

Backtracking into the data on these study participants, the researchers found that about 20% of the relationship between credit scores and heart health was accounted for by the attitudes, behaviors and competencies displayed by the study members when they were younger than age 10.

'We're showing that these things take root early in life,' Israel said.

Harvard economist David Laibson, who was not involved in the research, said the study 'fundamentally transforms our understanding of the psychological factors that connect our health and wealth.'

Lamar Pierce, an associate professor of organization & strategy at Washington University in St. Louis, said. 'This study is important because it identifies common cognitive foundations long before financial and physical health problems emerge,' said Pierce, who was not involved in this study.

'It provides hope that early life intervention can impede the development of life-long patterns of illness and financial struggle.'

The idea of checking credit scores against the detailed personal data in the Dunedin study came from a conversation Moffitt had with her seatmate on a plane about a decade ago.

When she told her travelling companion from the life insurance industry that she studied self-control and life outcomes, he said, 'We do that too, but we use credit scores.'

'The thing that's so compelling about credit scores is that they're both predictive and retrospective,' said co-author Avshalom Caspi, the Edward M. Arnett professor of psychology and neuroscience, psychiatry & behavioral sciences at Duke.

'They offer a window on the future, but also a window on the past.'

'Our findings suggest that life insurance companies that acquire an applicant's credit score are also indirectly acquiring information about that applicant's educational attainment, intelligence and personality, right back to childhood,' the authors wrote.