Do You Have Credit Score Smarts?

FINANCE

Steven Miller

6 Min Quiz

Image: Shutterstock

About This Quiz

Do you know what it takes to achieve and maintain a high credit score? Take this quiz to find out if you are at the "Genius," "Above Average," "Below Average" or "Flunking" level of credit score smarts.

How many open credit accounts do you have?

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What percentage of your credit limits are currently outstanding?

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When was the last time you checked your credit score?

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When was the last time you paid a credit bill late?

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What amount do you usually pay on your monthly credit accounts?

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Have you ever reviewed detailed reports from Experian, Equifax, and TransUnion?

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Do you know how much it costs to get a yearly report from all three major credit bureaus?

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Do you know how to dispute an error on a major credit bureau report?

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What do you do if you find the same error on each of the three major credit bureaus?

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Is it important that your personal information is correct on your credit reports?

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What can incorrect personal information on your credit report be a sign of?

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Is there a limit on how long a collection account can appear on your credit report?

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Can a bill your spouse was supposed to pay in a divorce affect your credit?

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Can a loan you defaulted on show up as multiple defaults if it was sold to debt collectors?

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Is it possible that your information could be confused with someone's else with a similar name?

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How often have you been late with a credit payment?

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How much debt do you have?

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How long have you had your oldest credit account?

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How long have you had your newest credit account?

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What kind of credit accounts do you have?

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How many credit accounts have you applied to in the past six months?

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Do you have a plan to improve your credit score?

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Do you have alerts that let you know when payments are due?

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Is it worthwhile to contact your creditor to ask them to forgive a one-time late payment?

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Is it better to close an account with a poor history or simply get back on track with it?

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What's the best way to build a strong credit age?

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Does applying for a lot of different credit accounts hurt your credit?

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How long does a late payment stay on your credit report?

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How long does a Chapter 7 bankruptcy stay on your credit report?

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How long does a foreclosure stay on your credit report?

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