QuizTarget

Take a Quick Credit Quiz?

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What is a credit score?

A document that lists your credit accounts
A calculation of your overall debt
A numerical representation of your creditworthiness d) A report on your monthly expenses

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What is the range of credit scores?

1-100
300-700
500-900
300-850

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How many major credit reporting agencies are there in the United States?

1
2
3
4

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When should you start building credit?

After graduating from college
As soon as you turn 18 or are financially responsible
When you need to apply for a car loan
When you buy your first house

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What factor does not influence your credit score?

Payment history
Credit utilization
Credit card company
Length of credit history

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Why is it important to review your credit reports regularly?

To track your expenditure
To find errors or signs of identity theft
To know your net worth
To see how many credit cards you have

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How long does negative information typically stay on your credit report?

2 years
5 years
7 years
10 years

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How can you improve your credit score?

Maxing out all your credit cards
Closing unused credit accounts
Applying for multiple new credit cards
Making payments on time

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What is credit utilization ratio?

The percentage of available credit you are using
The total balance of all your debts
The number of credit cards you own
The number of loans you have

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Why is it important to use credit responsibly?

It shows your financial independence
It can improve your credit score
It enables you to buy luxury items
It guarantees approval for loans

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