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How much do you really know about your credit? Take our credit quiz totest your credit expertise. Choose
the answer that you think is correct and click the "How Did I Do?" button at the end to see how you scored.

1. What are the three major credit bureaus in the U.S.?

	A: Experian, Equifax, TransUnion
	B: American Express, MasterCard, Visa
	C: Bank of America, Citibank, Chase Manhattan

2. Can checking your own credit report hurt your credit score?

Yes No

3. An employer can get a copy of your credit report without your permission.

True False

4. How long can a bankruptcy stay on your credit report?

	A: 2 years			C: 7 years
	B: 5 years			D: 10 years

5. What information is used to calculate your credit score?

	A: Your average credit history from the previous year
	B: The information that appears on your credit report the day your score is calculated
	C: Information contained on your credit reports from the last three months
	D: Your credit report and bank statements

6. How do credit repair companies help you?

	A: They can "clean up" your credit by removing inaccurate negative information
	B: They can only legally dispute inaccurate information on a credit report, which you may do yourself for free
	C: They can help you legally create a new credit history
	D: They can do a better job if you pay them more money

7. When is a consumer entitled to receive a free statutory credit file disclosure from
a credit-reporting agency?

	A: After they have been denied credit
	B: Under the FACT Act, Americans will have the right to 1 free statutory credit file disclosure every 12 months from each of the 3 national credit reporting agencies; Georgia residents will be entitled 2
	C: When they write to a bureau and request a copy of their own report
	D: A and B only

8. When you get married, what happens with your credit report?

	A: It is merged with your spouse's credit history
	B: It stays the same. The only information on both spouses' reports are joint accounts or those for which one spouse is an authorized user
	C: It shows your spouse's debt in a separate section
	D: It's wiped clean so you can start over again

9. Once you pay off a negative record, it is removed from your credit report.

True False

10. Will paying off a debt add 50 points to your credit score?

Yes No

* Quiz derived from CreditExpert.com