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?

1 / 8

I can check my credit for free once a year

2 / 8

Credit scores fluctuate frequently

3 / 8

A delinquent payment does not affect my credit score

4 / 8

Closing an account can negatively affect my credit score

5 / 8

It takes a long time to improve a credit score.

6 / 8

The mortgage industry uses Vantage Scoring instead of FICO

7 / 8

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

8 / 8

A soft inquiry will not affect my credit score


Mortgage Essentials

Do you know what’s on your credit report?

1 / 9

Poor credit history can prevent me from getting hired

2 / 9

Having late payments are acceptable as long as I pay

3 / 9

My credit report includes my medical history

4 / 9

My credit report includes my social security number

5 / 9

Bad credit stays with me forever

6 / 9

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

7 / 9

Rental history will appear on my credit report

8 / 9

I should not buy furniture for my new home before closing

9 / 9

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


Buyer Alert

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

1 / 10

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

2 / 10

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

3 / 10

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

4 / 10

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

5 / 10

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

6 / 10

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

7 / 10

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

8 / 10

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

9 / 10

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

10 / 10

Trigger leads are illegal.


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