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120 Credit Scores: How They Work and What Affects Them Practice Questions (2026)

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Full Question List

  1. Question 1

    What is a credit score?

  2. Question 2

    What are the three major credit bureaus?

  3. Question 3

    What is the most common credit scoring model?

  4. Question 4

    What is a VantageScore?

  5. Question 5

    What is considered a good credit score?

  6. Question 6

    What is considered a poor credit score?

  7. Question 7

    What percentage of your FICO score is payment history?

  8. Question 8

    How long do late payments stay on your credit report?

  9. Question 9

    When is a payment considered late?

  10. Question 10

    Does paying before the due date help your score?

  11. Question 11

    What percentage of your FICO score is credit utilization?

  12. Question 12

    What is credit utilization?

  13. Question 13

    What is a good credit utilization ratio?

  14. Question 14

    If you have a $5,000 limit, what balance is ideal?

  15. Question 15

    Does my utilization on individual cards matter?

  16. How many did you know?

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  17. Question 16

    Does closing a credit card hurt utilization?

  18. Question 17

    What percentage of your FICO score is credit history length?

  19. Question 18

    What factors into length of credit history?

  20. Question 19

    Should I keep my oldest credit card open?

  21. Question 20

    Can I build credit history quickly?

  22. Question 21

    What percentage of your FICO score is new credit?

  23. Question 22

    What is a hard inquiry?

  24. Question 23

    What is a soft inquiry?

  25. Question 24

    How long do hard inquiries stay on your report?

  26. Question 25

    Can I shop for rates without hurting my score?

  27. Question 26

    What percentage of your FICO score is credit mix?

  28. Question 27

    What is revolving credit?

  29. Question 28

    What is installment credit?

  30. Question 29

    Do I need different types of credit?

  31. Question 30

    What is a credit report?

  32. How many did you know?

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  33. Question 31

    How often should I check my credit report?

  34. Question 32

    Do I get three free credit reports annually?

  35. Question 33

    Does checking my own credit hurt my score?

  36. Question 34

    What should I look for in my credit report?

  37. Question 35

    How do I dispute an error on my credit report?

  38. Question 36

    How can I start building credit with no history?

  39. Question 37

    What is a secured credit card?

  40. Question 38

    What is an authorized user?

  41. Question 39

    How long does it take to build good credit?

  42. Question 40

    Can I build credit by paying rent or utilities?

  43. Question 41

    Does checking my credit score lower it?

  44. Question 42

    Does carrying a balance on my credit card help?

  45. Question 43

    Does closing old cards help my score?

  46. Question 44

    Does my income affect my credit score?

  47. Question 45

    Does my age affect my credit score?

  48. How many did you know?

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  49. Question 46

    Does getting married merge credit scores?

  50. Question 47

    Do all credit scores work the same way?

  51. Question 48

    Can you pay to remove accurate negative information?

  52. Question 49

    How long do bankruptcies stay on your report?

  53. Question 50

    How long do foreclosures stay on your report?

  54. Question 51

    How long do collections stay on your report?

  55. Question 52

    What is a charge-off?

  56. Question 53

    Should I pay off old collections?

  57. Question 54

    What's the fastest way to improve credit?

  58. Question 55

    Can I remove accurate negative information early?

  59. Question 56

    Should I request a credit limit increase?

  60. Question 57

    Can credit repair companies fix my credit?

  61. Question 58

    How can I quickly rebuild after bankruptcy?

  62. Question 59

    Should I pay my credit card before the statement?

  63. Question 60

    Does applying for multiple cards hurt my score?

  64. How many did you know?

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  65. Question 61

    Should I have multiple credit cards?

  66. Question 62

    What if I never use a credit card?

  67. Question 63

    Can store credit cards help build credit?

  68. Question 64

    Do student loans affect credit scores?

  69. Question 65

    Does refinancing a loan hurt my score?

  70. Question 66

    Do personal loans help credit scores?

  71. Question 67

    Does paying off a loan early help?

  72. Question 68

    What is a credit-builder loan?

  73. Question 69

    Does my savings account balance affect credit?

  74. Question 70

    Does my job or employment status affect credit?

  75. Question 71

    Do debit card transactions affect credit?

  76. Question 72

    Does paying cash for everything build credit?

  77. Question 73

    Do utility or phone payments affect credit?

  78. Question 74

    Does my marital status affect credit?

  79. Question 75

    Does where I live affect my credit score?

  80. How many did you know?

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  81. Question 76

    What credit score do I need for a mortgage?

  82. Question 77

    What credit score do I need for a car loan?

  83. Question 78

    What credit score do I need for rewards cards?

  84. Question 79

    Can I get credit with no score?

  85. Question 80

    Do lenders use the same score I see?

  86. Question 81

    How often do credit scores update?

  87. Question 82

    Why do my scores differ between bureaus?

  88. Question 83

    Can my score change daily?

  89. Question 84

    How much can one late payment hurt?

  90. Question 85

    How long to recover from a 30-day late payment?

  91. Question 86

    What are good free credit monitoring services?

  92. Question 87

    Should I pay for credit monitoring?

  93. Question 88

    What is a credit freeze?

  94. Question 89

    Does a credit freeze hurt my score?

  95. Question 90

    What is a fraud alert?

  96. How many did you know?

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  97. Question 91

    What if I find fraudulent accounts?

  98. Question 92

    How can I protect against identity theft?

  99. Question 93

    Can identity theft ruin my credit permanently?

  100. Question 94

    Do medical bills affect credit scores?

  101. Question 95

    Does divorce affect my credit score?

  102. Question 96

    What happens to credit when someone dies?

  103. Question 97

    Can being an authorized user hurt my credit?

  104. Question 98

    Do overdraft fees affect credit?

  105. Question 99

    Do I have credit history if I move from another country?

  106. Question 100

    Does my U.S. credit follow me abroad?

  107. Question 101

    What's the single most important credit habit?

  108. Question 102

    Should I pay the minimum or full balance?

  109. Question 103

    How many credit cards should I have?

  110. Question 104

    Should I use all my credit cards monthly?

  111. Question 105

    Is it bad to have no credit card debt?

  112. How many did you know?

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  113. Question 106

    Should I pay off debt or save first?

  114. Question 107

    What is the avalanche debt payoff method?

  115. Question 108

    What is the snowball debt payoff method?

  116. Question 109

    Should I consolidate credit card debt?

  117. Question 110

    What is a balance transfer card?

  118. Question 111

    When should I start building credit?

  119. Question 112

    Can parents help me build credit?

  120. Question 113

    Should college students have credit cards?

  121. Question 114

    Can I have a good score with just one credit card?

  122. Question 115

    Does shopping around for credit hurt?

  123. Question 116

    Can I get credit with past mistakes?

  124. Question 117

    Should I worry about small score drops?

  125. Question 118

    Is 850 credit score necessary?

  126. Question 119

    Can I succeed without caring about credit?

  127. Question 120

    What's one thing everyone should know about credit?

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