Credit Health Quiz

Your credit record affects whether you get a home loan, a car, a phone contract and even some jobs. 10 questions. Private. Your employer never sees your answers. You can stop anytime.

Private: your answers stay on this device and are not saved. You can stop at any time.

1. Have you checked your credit report in the last 12 months?

   NoI tried but did not finishYes

2. Do you know you can get your credit report free from each major credit bureau once a year?

   NoI heard something about itYes

3. How much of your available credit limits (cards, overdraft, store cards) do you usually use?

   Almost all of itMore than halfLess than a thirdI have no revolving credit

4. How often do you miss or pay late on an account?

   Most monthsNow and thenNever

5. How many credit applications have you made in the last 6 months?

   4 or more2 or 30 or 1

6. Do you have store cards or credit cards you do not use but have not closed?

   Yes, severalOneNo

7. If you found a mistake on your credit report, would you know how to dispute it?

   NoRoughlyYes, I would dispute it with the bureau in writing

8. Have you ever given your ID number or payslip to someone promising to 'clean' or 'fix' your credit record for a fee?

   YesI considered itNo

9. Do you know which of your accounts, if any, are in arrears right now?

   NoRoughlyYes, or none are

10. Have you stood surety or signed as co-borrower for someone else's loan?

    Yes, and they are behindYes, they are payingNo