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uturn credit university quiz
Test your new knowledge by completing the quiz below.
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Indicates required field
1. Why is it important to build credit as soon as you can?
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To get an apartment
To get a job
To get a car
All of the above
2. When should you start building or rebuilding credit?
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Later
Never
As soon as you can
After you buy your first house
3. Your credit history can affect your ability to get a good job.
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True
False
4. Having a checking or savings account with a bank can be helpful when applying for a credit card.
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True
False
5. Which of these helps build credit?
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Debit cards
Credit cards
Prepaid cards
Checks
6. What do lenders look for when you apply for your first credit card?
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Do you have steady income?
Can you make payments?
Are you already a customer?
All of the above
7. Which of these is not a type of credit?
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Car loan
Student loan
Home mortgage
Cell phone bill
8. Before applying for your first credit card, you should have a steady income.
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True
False
9. What's the best way to build credit with a credit card?
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Make small purchases and pay in full
Carry a high monthly balance
Don't use your credit card
Close credit card accounts you don't using
10. Which of these do not affect your credit score?
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Payment history
How much you owe
Recently opened accounts
How old you are
11. The best way to build and maintain your credit score is to:
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Avoid using credit
Pay bills on time
Use lots of credit cards
Make big purchases
12. What should you do if you accidentally miss a payment?
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Ignore it, it will go away eventually
Pay amount owed & next payment on time
Declare bankrupty
Make your next payment
13. How often can you get a free copy of your credit report?
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Any time you want
Every month
Every year
Never
14. To rebuild your credit, you have to continue using credit.
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True
False
15. Which one of the following is not a step to get your credit back on track?
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Close all credit card accounts
Make payments on time
Discuss credit repair with a professional
Open a secured credit card
16. If you are having trouble keeping up with credit, you should talk to a credit advisor
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True
False
17. You don't need to check your credit report.
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True
False
18. What should you do if you're having trouble making payments?
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Ignore it
Get help right away
Cancel all of your credit cards
Try to fix it yourself
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