Score!
What is the highest possible credit score you can achieve within the FICO system?
850
What is the FULL name of the WSU Mascot?
Butch T. Cougar
This account type is primarily used for bill paying and everyday expenses
Checking
The name for a home loan, commonly lasting 15 or 30 years.
Mortgage
This 4-digit number should never be shared with anyone
PIN
What credit inquiry doesn't hurt your credit score?
Soft inquiry
What animal is featured in Gesa's logo?
Owl
This account is used primarily to set aside money for future goals and emergencies
Savings
An ARM is an _______ rate mortgage.
Adjustable
This device can be placed over a card reader and steals the information from unsuspecting users
Skimmer
In FICO scoring, what category accounts for about 30% of your credit score?
Amounts Owed/Credit Utilization
When was the last time WSU had a live cougar as a mascot?
1978
This account acts as a hybrid checking & savings account, offering both higher interest rates and check writing ability
Money Market
A ______ rate mortgage is one in which the rate will not change over the life of the loan.
Fixed
Poor grammar, urgent threats, and unfamiliar sender addresses are indicative of which type of email scam?
Phishing
The 3 major U.S. Credit Bureaus are Equifax, Transunion, and _______ ?
Experian
This account type is a type of savings where a deposit is made and held for a fixed amount of time
Certificate of Deposit
What is typically the collateral for a mortgage?
The house/property
What is it called when someone uses another person's personal info to open bank accounts or conduct transactions?
Identity Theft
What is the federal law called that let's Americans obtain free credit reports annually from all 3 bureaus?
FCRA (Fair Credit Reporting Act)
What Gesa program lets our members give back to community organizations simply by making purchases?
Affinity debit card program
This account allows for tax-advantaged savings for qualified medical expenses
Health Savings Account
Private Mortgage Insurance (PMI) is typically added to your mortgage payment if your down payment is below what percent?
20%
This government agency warns consumers about fraud trends and common scams
Federal Trade Commission (FTC)