WISE FL Mock EOPA (12-5-19)

The three credit bureaus are

• Experiant, TransUnion, and Equifall

• Equifax, TransStation, and Experian

• Experian, Equifax, and TransStation

• Experian, Equifax, and TransUnion

The only way to have a FICO score is to have debt.

• True

• False

Which of the following will help improve your credit score?

• Pay cash for everything.
• Responsibly use your debit card.
• Responsibly use your credit card.
• None of the above

Which of the following is likely to check your credit score?

• Auto insurance company
• Credit card company, when applying for their card
• Utility company
• All of the above

Statistically speaking, who is more likely to steal your identity?

• Grocery store cashier

• A family member

• Your brand new neighbor

• Person behind you in the check-out line

Which is NOT one of the three credit bureaus?

• Equifax
• Transunion
• Credit Karma
• Experian

Creditors are allowed to call you between which hours?

• 10:00 am - 8:00 pm
• 9:00 am - 9:00 pm
• 9:00 am - 8:00 pm
• 8:00 am - 9:00 pm

The website you use to check your credit reports is

• www.annualcreditcheck.com

• www.annualcreditreport.com

• www.annualcreditscores.com

• www.annualcreditlist.com

Your FICO score (Fair Issac Corporation) does NOT do what (select all that apply)?

• Measures a person's purchasing power

• Measures a person's credit risk

• Measures a person's wealth

• Measures a person's mortgage rate

If you have any inaccuracies on your credit reports, you have to contact them directly to start the process of fixing these errors.

• true

• false