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Getting Yours
Score World
Score Raising
Report TIPS
Report TRAPS
100
The website to get your detailed credit reports for free
What is www.annualcreditreport.com?
100
True or False? A 719 score from TransUnion is the same as a 719 from FICO, Experien or Equifax
What is FALSE!
100
Which is better for your score - new accounts or old accounts?
What is OLD accounts
100
The number of years that a creditor has to sue you for a debt that was taken out in Colorado
What is SIX
100
These companies usually charge you hundreds of dollars to do something you can easily do on-line
What are Credit Repair Companies
200
One website where you can get free credit scores, a report card, and credit simulator
What is www.creditkarma.com?
200
TRUE or FALSE? All lenders use the FICO score when considering extending credit.
What is FALSE.
200
The approximate number of points for a year that are lost for opening a new account or closing an account
What is 10 points!
200
TRUE OR FALSE? It is important to note if a creditor or collection agency is located within or close to Colorado
What is TRUE
200
Checking to see if a collection agency has this helps you to determine if they are really local
What is a sister company that may be located in Colorado
300
Another website to get free scores that we did not talk about today
What is www.quizzel.com?
300
The lowest end of the score ranges that we discussed.
What is 280 (Equifax)
300
The amount of time within which you want to focus hard credit inquiries to minimize the credit score ding
What is 2 weeks
300
The field on the credit report that tells you when the 6 year "clock" starts
What is "Date Last Paid"
300
This kind of debt will often be sold to a local collection agency
What is medical debt
400
The website to find legitimate debt management programs
What is www.NFCC.org
400
What FICO stands for...
What is Fair Isaac Corporation
400
A debt settlement strategy that allows collection agencies to remove negative entries from your credit report if you pay them a little more
What is a buy-out settlement?
400
The debt to limit ratio applies to each of your accounts separately or to the total debt to total limit
What is the TOTAL debt to the TOTAL limit
400
TRUE or FALSE? The credit report will give a detailed, up-to date picture of each public record entry
What is FALSE