TABLE OF CONTENTS

Credit IQ

Credit IQ

Test your credit IQ by answering the questions provided by our insider pros. We understand that it’s a lot of information to remember, so take the test as many times as you need! It will help you to discover which sections of the site you may need to revisit. Go ahead and try…you know more than you think.

Score & Credit Basics​

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What is your score sense?

Score & Credit Basics Quiz

1 / 8

It takes a long time to improve a credit score.

2 / 8

Credit scores fluctuate frequently

3 / 8

I can check my credit for free once a year

4 / 8

A delinquent payment does not affect my credit score

5 / 8

Closing an account can negatively affect my credit score

6 / 8

A soft inquiry will not affect my credit score

7 / 8

If I have a high income, I will have a higher credit score

8 / 8

The mortgage industry uses Vantage Scoring instead of FICO

Your score is

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Mortgage Essentials​

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Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

Bad credit stays with me forever

2 / 9

My credit report includes my social security number

3 / 9

If I pay an account in full, it’s removed from my credit report

4 / 9

Leasing a new vehicle will result in a hard inquiry on my credit report

5 / 9

Having late payments are acceptable as long as I pay

6 / 9

My credit report includes my medical history

7 / 9

Poor credit history can prevent me from getting hired

8 / 9

Rental history will appear on my credit report

9 / 9

I should not buy furniture for my new home before closing

Your score is

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Buyer Alert

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Do you have the know-how to score a mortgage?

Buyer Alert Quiz

1 / 10

If I need a mortgage modification, the best place to start is by contacting my mortgage company.

2 / 10

You can go to jail if you provide false information on your mortgage application.

3 / 10

I do not need a credit repair company to help improve my score.

4 / 10

Buying a tradeline can hurt my credit score if the owner of the tradeline defaults on the loan.

5 / 10

Trigger leads are illegal.

6 / 10

There is no such thing as a legitimate credit repair company.

7 / 10

It’s ok to omit something from your mortgage application if your lender says it’s OK.

8 / 10

Mortgage relief companies can keep your home out of foreclose for a fee.

9 / 10

Opting out of trigger leads guarantees I won’t be contacted.

10 / 10

There are rules that debt collectors must follow when trying to collect a debt.

Your score is

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QUESTIONS?

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