Credit Basics
This number helps lenders determine how responsibly you use credit.
What is a Credit Score?
This is the record that shows your history of borrowing and repaying.
What is a Credit Report?
This is the annual cost of borrowing on a card, including interest.
What is Annual Percentage Rate (APR)?
Putting a lock on your report so no one can open new accounts in your name is called this.
What is a Credit Freeze?
This is the date that our beautiful sistHERhood was brought to Howard University.
When is August 14, 2026?
This is the amount you owe on your credit card?
What is the Balance?
The owed amount makes makes up this percentage of your FICO score.
What is 30 percent?
Paying only this amount each month keeps you in good standing but lets interest pile up.
What is Minimum Payment?
Setting this funvtion up for your bills and repayments gives you a discount and make you on time.
What is Autopay?
This is the motto for HER University, Incorporated.
What is HER Journey, His Will?
This is the range that your Credit Score can be between?
What is 300-850?
This factor affecting your credit score views time as it‘s master.
What is Length of Credit History?
The higher your credit score, the higher the chance of you getting approved for this.
What is a Loan or Credit Card?
If you see an account you don't recognize on your report, you should do this with the bureau.
What is Dispute It?
This is the official title for tonight’s event.
What is The Credit Check?
This major factor can brutally or positively affect your credit score.
What is your Payment History?
Using a small part of your credit limit, instead of maxing out your card, helps your score. This is called keeping your ___ low.
What is Credit Utilization?
You become this when you are added to a parent’s. partner’s or friend’s card to build credit.
What is an Authorized User?
Myth or Fact: Closing your oldest card can hurt your score.
What is Fact? It can shorten your credit history and raise utilization.
This is the theme of the OctobHER week.
What is MonstobHER?
This three companies collect and maintain your credit reports.
What are Equitax, TransUnion and Experian?
These two factors, each worth 10% of your score, are new credit and this variety of account types.
What is Credit Mix?
This is a monetary charge for the privilege of borrowing money. It is also Jade’s worst nightmare.
What is Interest?
Myth or Fact: Paying off a collection account erases it from your report immediately.
What is Myth? It can still remain for up to seven years, though the status updates.
This sistHER serves as the Parliamentarian for the academic year 2026-2027.
Who is Leila Keels?