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Credit Quiz

1.

I use banks and credit unions instead of check cashers, payday lenders, pawn shops, rent-to-own stores, etc.

Almost Always

Sometimes

Rarely

2.

I pay my bills on time.

Almost Always

Sometimes

Rarely

3.

I pay more than the minimum on my credit card each month.

Almost Always

Sometimes

Rarely

4.

I request and review a copy of my credit report at least once a year and prior to any major purchase or starting a business.

Almost Always

Sometimes

Rarely

5.

I take steps to prevent identity theft by guarding my personal information and shredding documents that list my account numbers.

Almost Always

Sometimes

Rarely


    

Score:

0

Suggestions for Improving Your Knowledge and Using this Website

12-15 points- You have excellent credit management skills.  Review the Credit section to refresh your memory, paying particular attention to the "Points to Remember" section.  Congratulations on taking control of your credit!

8-12 points- You are doing a fair job of managing your credit.  Read the Credit section and complete the exercises.  If you want additional information, click on the links listed in the resource section or contact a training provider.  Click here for a list of training providers in your area.  By following the suggestions on this website, your credit rating will become even stronger!

7 or fewer points- The Credit section will help you improve your test score.  Read the section carefully.  Complete the exercises and click on the links listed in the resource section.  Contact ACCION to learn how it can help you build and maintain your credit.  Remember, it does take some time and effort to improve your credit, but it's well worth the investment.  Congratulations on taking the first step!

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