Credit Scores
The full range of credit scores (most commonly, FICO)
What is 300-850
Products that help increase your credit score
What is secured loan, secured credit card, and Bloom+?
What you do to prevent anyone from stealing your identity
What is freezing your credit with all 3 credit Bureaus?
All 5 factors of your credit score
What is payment history, amount of debt, credit history length, new credit, and credit mix?
The information on your report that doesn't have to do with your accounts
What is name, alliases, and address history?
The possible reasons for an error on your report
What is creditor mistake, ID theft?
The difference between a credit freeze and a fraud alert
What is a credit freeze prevents creditors from accessing your credit, while a fraud alert is a special status that requires lenders to verify identity
The things that a good credit score could help you with
What are apartment, loan, credit card, and job applications?
The main 3 credit bureaus, and the one that NFCU uses for Consumer Loans & CC
What is Experian, Equifax, and Transunion; What is Transunion used for?
Where you can find reliable safe resources to get assistance with fixing errors on your report, as well as credit counseling to improve your credit
What is the department of justice (DOJ) website.
The website that has educational info on credit reports and scores, fraud, identity theft, and what to do if you have errors on credit report or are a victim of these situations
What is consumerfinance.gov, the consumumer financial protection bureau?
The most significant part of your credit score
What is Payment history?
The information on your report that does involve your accounts
What is payment history, address & contact info of creditors, and soft or hard credit pull
The websites can members go to find a local credit counseling agency that is approved by the department of justices are what?
The 3 types of fraud alerts
What are initial, renewable fraud alerts that are good for 1 year, what is Active Duty fraud alert for deployment, and an extended alert that lasts 7 years?
Pulling this will affect your credit score
What is a hard credit pull?
The frequency you can check your credit report for free without penalty
What is 1/week for each bureau at annualcreditreport.com?
What do you do to fix discrepancies on your credit report?
This security measure can be done both online or over the phone
What is freezing your credit?