Credit Reports
Credit Scores
Credit Repair
Credit Basics
100

A document that contains your credit history

What is a credit report

100

True or False....Can you improve your credit report or will it remain the same.

True

100

A new loan that you use to pay off some or all of your debts.

What is a debt consolidation loan.

100

Once a year fee for owning a credit card

What is an annual fee

200

Numbers based on information in your credit report.

What is a Credit Score

200

One factor affecting your credit score.

What is your repayment history.  

Paying bills on time. 

200

True or False...Setting up automatic payments can improve your credit score.

True

200

A reporting agency that collects information on consumer credit usage.

What is the Credit Bureau

300

True or False...Do cell phone companies check your credit report.

True

300

A credit inquiry which does not affect your credit score

What is a soft inquiry

300

A credit card which requires a cash deposit which becomes your credit limit.

What is a secured credit card.

300

A contract agreement in which a borrower receives a sum of money or something of value and repays the lender at a later date, generally with interest.

What is credit

400

Website for accessing a free credit report

400

One option for improving your credit score.

What is paying your bills on time.

400

A good credit rating.

What is 740 and above.

400

True or False...There is a time limit for reporting negative information on your credit report.

False

500

A credit inquiry which may affect your credit rating

What is a Hard Inquiry.

500

What does the acronym APR stand for.

What is the Annual Percentage Rate

500

Types of credit reports

Equifax, Experian, TransUnion

500

Ways to file s credit dispute.

What is online or via mail.

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