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by NEA Member Benefits
Test Your Credit Score Smarts
How much do you know about managing credit and how much money can you save by having a great credit score? Take our quiz to find out!
When it comes to your credit score, knowledge really is power. So put yourself to the test with these 10 questions. Understanding the answers could inspire you to take steps which will help raise your score – or keep your current score high – so you can reap the many financial rewards of strong credit!
What does a credit score measure?
Where does the information that makes up your credit score come from?
How can you access your credit report and/or score? Choose all that are correct.
Who do you contact if you can’t get a credit report inaccuracy resolved?
Which of these does NOT influence your credit score?
How do you build up a good credit history?
For a $14,000, 60-month auto loan, about how much more would a borrower with a low credit score pay than a borrower with an excellent one?
Which of these are indicators that someone has fraudulently used your credit?
True or False: Does placing a fraud alert on your credit or freezing your credit impact your score?
Hit the Books!
Credit may not be your “best subject” at the moment. Now, it’s entirely possible that you’re doing what’s required to keep your score in positive territory. But we encourage you to get up to speed on the factors behind credit usage and management that can help you achieve long-term success. To take command of your credit, you should consider the following steps:
In implementing these steps, you’ll improve your overall personal financial health (by not getting saddled with high interest rates and unnecessary “late payment” penalties) and better protect your credit accounts/information from fraud.
To get started, consider the following resources from NEA Member Benefits:
You’re on the Right Track!
You have a good, working knowledge of what credit is and how to manage it. But there’s room for improvement. Even if you have a good-to-great credit score now, you can educate yourself further to take additional steps to boost your score and make sure it stays at a high level. These steps could include:
You’re a Credit Zen Master!
You have taken command of what you need to know about managing credit. As a result, you probably have a very good or even terrific score. But you want to keep it there. So make sure you stay on “top of your game” by:
This is the surest way to continue enjoying the benefits of a strong score – which include lower interest rates for credit cards, loans and mortgages – while protecting your credit from fraud.
To further improve your knowledge and management of credit, consider the from NEA Member Benefits: