Quiz: Do you Know how to get your Credit Report?
by Staff
For many people, pulling their credit report is be like pulling teeth. For no charge and no penalty to your credit score, you are entitled to a copy of your credit report every year. Take our quiz to see if you know the ins and outs of pulling your credit report and your credit score.

The three major credit bureaus are Experian, TransUnion and ________.

  • Equifax
  • Transfax
  • Experfax

What is a hard inquiry of your credit report?

  • an inquiry by a company that has business with you
  • an inquiry by a company that has no business with you
  • an inquiry from you

Why should you limit the number of hard inquiries?

  • Hard inquiries decrease your credit score.
  • Hard inquiries indicate a credit risk.
  • Hard inquiries indicate a slow payer.

Will soft inquiries change your credit score?

  • no
  • yes, one point for every soft inquiry
  • yes, three points for every soft inquiry

Before sending you an unsolicited pre-approved credit card application, do companies check your credit?

  • Companies may pull a soft inquiry.
  • Companies always pull a hard inquiry.
  • Companies do not check your credit.

If you have been approved for a loan, what else does your credit score influence?

  • the length of the loan
  • the interest rate of the loan
  • the amount of the loan application fee

How often should you check your credit?

  • every six months
  • annually
  • every two years

When you check you own report, what type of inquiry is this?

  • soft inquiry
  • hard inquiry
  • neither

How much do you have to pay to do an annual check of your credit report?

  • nothing
  • $10 per credit bureau
  • $50 per credit bureau

How do you get a copy of your credit report?

  • Go to
  • Go to
  • Go to

How much does it cost to check your credit report after the annual free report?

  • 10
  • 15
  • 25

What are the range of actual credit score numbers?

  • 100 to 500
  • 200 to 700
  • 300 to 850

What is another name for the FICO number?

  • credit score
  • debt index
  • financial feasibility coefficient

What does a high credit score indicate to financial institutions?

  • your credit worthiness
  • your bank balance
  • your life expectancy

What should you do if there is incorrect information in your credit report?

  • dispute
  • complain
  • nothing

What is a credit reporting agency?

  • credit bureau
  • bank
  • credit card company

What credit information is in the public record?

  • bankruptcies
  • liens and judgments
  • both answers

Why shouldn't you apply for every credit card that has a good offer?

  • Too many hard inquiries will hurt your credit score.
  • Too many soft inquiries will hurt your credit score.
  • Too much credit will prevent you from getting any loans in the future.

Potential employers may pull which type of credit report?

  • soft inquiry
  • hard inquiry
  • none

How can you find out who has requested hard inquiries?

  • Your credit report lists this information.
  • You cannot see this information.
  • A lawyer has to request this information on your behalf.