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

Credit scores fluctuate frequently

2 / 8

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

3 / 8

A delinquent payment does not affect my credit score

4 / 8

Closing an account can negatively affect my credit score

5 / 8

I can check my credit for free once a year

6 / 8

A soft inquiry will not affect my credit score

7 / 8

It takes a long time to improve a 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

My credit report includes my social security number

2 / 9

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

3 / 9

I should not buy furniture for my new home before closing

4 / 9

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

5 / 9

Poor credit history can prevent me from getting hired

6 / 9

Rental history will appear on my credit report

7 / 9

Bad credit stays with me forever

8 / 9

Having late payments are acceptable as long as I pay

9 / 9

My credit report includes my medical history

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

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

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

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

6 / 10

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

7 / 10

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

8 / 10

Trigger leads are illegal.

9 / 10

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

10 / 10

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

Your score is

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QUESTIONS?

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