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PF Ch. 8 Review

Quiz by Kelly

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23 questions
Show answers
  • Q1
    _____ prevents creditors from discriminating against borrowers based on gender.
    Fair Credit Billing Act
    Truth in Lending Act (aka Consumer Credit Protection Act)
    Fair Credit Reporting Act
    Equal Credit Opportunity Act
    30s
  • Q2
    One of the 5Cs of creditworthiness, ___refers to assets you own that are worth more than your debts.
    character
    conditions
    capital
    capacity
    30s
  • Q3
    Most negative information that ends up in your credit report, stays there for 7 years.
    False
    True
    30s
  • Q4
    When you are denied credit, you may request a free copy of your credit report within 30 days.
    True
    False
    30s
  • Q5
    Two major factors used to evaluate your creditworthiness are your credit report and credit score.
    False
    True
    30s
  • Q6
    Businesses ___ request access to your credit report without your consent; these inquiries ___ lower your credit score.
    cannot; do not
    cannot; do
    can; do
    can; do not
    30s
  • Q7
    Which of the following would NOT be included in your credit report?
    religion
    occupation
    address
    maritial status
    30s
  • Q8
    The Consumer Credit Protection Act (aka Truth in Lending Act) requires creditors to disclose the total cost of credit before an agreement is signed.
    False
    Truth
    30s
  • Q9
    A credit report is issued by...
    bank
    your employer
    credit bureau
    credit union
    30s
  • Q10
    A credit bureau gathers information from businesses, called ___, that pay a monthly fee to the credit bureau.
    subscribers
    retailers
    debtors
    none of these
    30s
  • Q11
    The financial ability to repay your loan with current income is known as
    conditions
    character
    capacity
    consideration
    30s
  • Q12
    A consumer request to deny all access to the consumer's credit information or files is called a credit ____.
    freeze
    guard
    30s
  • Q13
    A FICO credit score is a point system ranging from ___ to ___.
    0-850
    1-1000
    300-850
    350-800
    30s
  • Q14
    A ___ is someone who promises to pay if the borrower fails to pay.
    obligor
    co-signor
    none of these
    co-debtor
    30s
  • Q15
    Your credit report contains your credit score.
    False
    True
    30s

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