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HUD COUNSELOR EXAM ACTUAL EXAM 200 QUESTIONS AND CORRECT DETAILED ANSWERS WITH RATIONALES (VERIFIED ANSWERS) |ALREADY GRADED A+ Latest Update €16,18
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HUD COUNSELOR EXAM ACTUAL EXAM 200 QUESTIONS AND CORRECT DETAILED ANSWERS WITH RATIONALES (VERIFIED ANSWERS) |ALREADY GRADED A+ Latest Update
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Which section of a credit repirt will contain employer information? personal information Which section of the credit report will contain information about a student loan? account information Which section of a credit report will contain court information such as bankruptcy? Public records ...

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  • 14 november 2024
  • 59
  • 2024/2025
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HUD COUNSELOR EXAM 2024-2025
ACTUAL EXAM 200 QUESTIONS AND
CORRECT DETAILED ANSWERS WITH
RATIONALES (VERIFIED ANSWERS)
|ALREADY GRADED A+ Latest Update
Which section of a credit repirt will contain employer information?

✓ personal information



Which section of the credit report will contain information about a student loan?

✓ account information



Which section of a credit report will contain court information such as bankruptcy?

✓ Public records



Which section of the credit report will show recent attempts to open a credit card?

✓ Inquiries



Which section of a credit report will contain information about how to correct inaccuracies?

✓ Consumer rights



Credit history length

✓ 15% of credit score



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Based on types of credit used

✓ 10% of credit score



New credit

✓ 10% of credit score based on



Ratio or total credit extended to the amount of credit owed

✓ amounts owed



Number of recent credit inquiries, as well as new credit accounts

✓ New Credit



Review credit report and dispute inaccuracies. Keep records of dispute information.

✓ Incorrect information on credit report



Get current and pay on time going forward. Set up payment reminders. Adjust budget to

factor in all monthly payments.

✓ Delinquencies/collections/judgments



Pay down debt and keep balances low moving forward. Pay more than minimum. Know what

the balance is and check statements.

✓ Credit card maxed out/too much debt



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✓ Thank You for Choosing Us! ✓ Resources & Updates: [Testtrackers - Stuvia US]
✓ © 2024 TestTrackers ✓ Your Success is Our Mission!
✓ Customer Support: [+254707240657]

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Open a credit card account or other line of credit secured card or personal loan.

✓ No credit/poor credit/limited credir



Make more than minimum payment to pay down the balances.

✓ Roger has maxed out his credit card



Apply for secured credit card to establish history.

✓ Molly is recent college graduate trying to apply for her first credit card but has been
denied:



Notify credit reporting agencies.

✓ Chris see that a bankruptcy on his report actually belongs to his cousin, who has the
same name:



1) You have right to know what is in your file

2) You have the right to dispute incomplete or inaccurate information

3) Access to your file is limited

4) You may seek damages from violators

✓ Fair Credit Reporting Act (FCRA):



1) You have the right to a free credit report

2) You have the right to place a fraud alert on your credit file



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✓ Thank You for Choosing Us! ✓ Resources & Updates: [Testtrackers - Stuvia US]
✓ © 2024 TestTrackers ✓ Your Success is Our Mission!
✓ Customer Support: [+254707240657]

, TestTrackers: Unlock Your Exam Potential! | Quality Practice Materials | Boost Your Confidence Today!


3) Credit card numbers must be truncated so the full number is not visible on receipts

✓ Fair and Accurate Credit Transactions Act (FACTA):



1) You can dispute billing errors associated with your credit card account - creditor 30 days to

acknowledge and 90 days to research and make determination

2)

✓ Fair Credit Billing Act (FCBA):



Which section of a credit repirt will contain employer information?

✓ personal information



Which section of the credit report will contain information about a student loan?

✓ account information



Which section of a credit report will contain court information such as bankruptcy?

✓ Public records



Which section of the credit report will show recent attempts to open a credit card?

✓ Inquiries



Which section of a credit report will contain information about how to correct inaccuracies?

✓ Consumer rights



|
✓ Thank You for Choosing Us! ✓ Resources & Updates: [Testtrackers - Stuvia US]
✓ © 2024 TestTrackers ✓ Your Success is Our Mission!
✓ Customer Support: [+254707240657]

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