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

The mortgage industry uses Vantage Scoring instead of FICO

2 / 8

A soft inquiry will not affect my credit score

3 / 8

It takes a long time to improve a credit score.

4 / 8

Closing an account can negatively affect my credit score

5 / 8

A delinquent payment does not affect my credit score

6 / 8

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

7 / 8

Credit scores fluctuate frequently

8 / 8

I can check my credit for free once a year

Mortgage Essentials​


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

My credit report includes my medical history

4 / 9

Bad credit stays with me forever

5 / 9

Poor credit history can prevent me from getting hired

6 / 9

Having late payments are acceptable as long as I pay

7 / 9

Rental history will appear on my credit report

8 / 9

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

9 / 9

I should not buy furniture for my new home before closing

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

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

3 / 10

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

4 / 10

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

5 / 10

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

6 / 10

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

7 / 10

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

8 / 10

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

9 / 10

Trigger leads are illegal.

10 / 10

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


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