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Strategic Credit Management

Coffee Break Finance
Strategic Credit Management
Strategic Credit Management

Strategic Credit Management

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Question 1 of 10

1. Question

What is the most important credit scoring factor that carries the most weight when companies calculate your credit score?

Credit age
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Credit utilization
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New credit applications
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Credit history
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Question 2 of 10

2. Question

True or false: The best way to make a credit dispute is through each credit bureau’s website.

True
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False
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Question 3 of 10

3. Question

Which of the following items in your credit report would be a sign of identity theft?

An account you don’t recognize
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A late payment that you made on time
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A duplicate account
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An alias that’s not you
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Question 4 of 10

4. Question

How long does a closed account that you left in good standing typically stay on your credit report?

6 months
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1 year
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7 years
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10 years
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Question 5 of 10

5. Question

True or False: Employers may check your credit score during a background check.

True
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False
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Question 6 of 10

6. Question

Which of the following would create a hard inquiry on your credit report?

You check your own credit using an authorized credit monitoring service
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You authorize a credit check for loan application
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You authorize a credit check when you rent a car
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All of the above
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Question 7 of 10

7. Question

True or false: Closing an old credit card account could decrease your credit score.

True
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False
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Question 8 of 10

8. Question

What’s the highest credit utilization you can have without damaging your credit score?

0%
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10%
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30%
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50%
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Question 9 of 10

9. Question

Which of the following negative items would appear in the Public Records section of your credit report?

Back child support
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Unpaid court fines
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Medical bill collections
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All of the above
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Question 10 of 10

10. Question

By law, how many credit reports can you download for free each year?

One
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Two
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Three
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As many as you need
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