What's Your Credit IQ?
10 questions. Real answers grounded in federal law and FICO scoring. Find out how well you really understand credit.
Think You Know Credit?
This quiz covers credit scores, credit reports, dispute rights, and federal consumer protection law. Every answer is grounded in real FICO scoring models and actual statutes like the FCRA and FDCPA.
10 questions · Takes about 2 minutes · No signup required
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Question-by-Question Review
Brush Up on These Topics
Based on the questions you missed, these guides will help fill in the gaps:
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Why Credit Knowledge Matters
Credit Report Errors
The FTC found 1 in 5 consumers had errors on at least one credit report (2012 study).
FCRA Statutory Damages
Willful FCRA violations carry $100 to $1,000 per violation (15 U.S.C. § 1681n).
Potential Score Gain
Removing inaccurate negative items can improve scores by 100 points or more in some cases.