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​


What is your score sense?

Score & Credit Basics Quiz

1 / 8

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

2 / 8

Credit scores fluctuate frequently

3 / 8

Closing an account can negatively affect my credit score

4 / 8

I can check my credit for free once a year

5 / 8

A delinquent payment does not affect my credit score

6 / 8

It takes a long time to improve a credit score.

7 / 8

The mortgage industry uses Vantage Scoring instead of FICO

8 / 8

A soft inquiry will not affect my credit score

Mortgage Essentials​


Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

Having late payments are acceptable as long as I pay

2 / 9

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

3 / 9

Poor credit history can prevent me from getting hired

4 / 9

Rental history will appear on my credit report

5 / 9

Bad credit stays with me forever

6 / 9

I should not buy furniture for my new home before closing

7 / 9

My credit report includes my social security number

8 / 9

My credit report includes my medical history

9 / 9

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

Buyer Alert


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

Buyer Alert Quiz

1 / 10

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

2 / 10

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

3 / 10

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

4 / 10

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

5 / 10

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

6 / 10

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

7 / 10

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

8 / 10

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

9 / 10

Trigger leads are illegal.

10 / 10

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


We’ve got answers.
Attend our free LIVE webinar conducted by one of our credit pros, or speak to a lender today!