DIY Credit Knowledge Check
You have 5 minutes to complete this DIY Credit Knowledge Check. — this is for learning, not judgment or research. This check-in includes credit education questions and personal money-habit questions so we can better understand where you are and what support may help.
Quiz Attempt Number
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1st Attempt
2nd Attempt
Name
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First Name
Last Name
Email
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example@example.com
How do you usually manage your monthly budget?
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I keep a written or digital budget
I check my money sometimes, but not every month
I mostly keep track in my head
I do not currently use a budget
I’m not sure where to start
Where can consumers request free credit reports from the three major credit bureaus?
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AnnualCreditReport
A random social media link
A payday lender
A credit card advertisement
What is credit utilization?
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How much of your available credit you are using
Your yearly income
Your rent amount
Your checking account balance
What is your approach to saving money?
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I rarely save right now
I save when I can
I save a fixed amount regularly
I save for specific goals
I’m not sure how to start saving
How do you handle financial setbacks?
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I usually panic or avoid dealing with it
I try to fix it, but I often feel overwhelmed
I ask for help or look for information
I make a plan and adjust my budget
I already have an emergency plan or savings cushion
Can a credit repair company legally remove accurate negative information just because you paid them?
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Yes, if you pay enough
Yes, if the account is old
No, accurate negative information generally cannot be removed just because you want it gone
I’m not sure
How do you feel about debt?
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I feel overwhelmed by it
I avoid looking at it
I understand some of it, but need a better plan
I am actively working on paying it down
I feel confident managing it
What does a credit score generally help lenders decide?
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Your credit risk
Your favorite bank
Your job title
Your checking account balance
How do you handle unexpected expenses?
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I usually have to borrow or use credit
I get stressed and figure it out last minute
I try to adjust my budget when it happens
I use savings when I can
I have an emergency fund or backup plan
What best describes your spending habits?
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I often spend without tracking it
I track some spending, but not consistently
I try to plan my spending ahead of time
I follow a budget most of the time
I regularly review and adjust my spending plan
How do you feel about financial advice?
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I avoid it because it feels overwhelming
I listen sometimes, but I’m cautious
I like learning, but I need simple steps
I am open to guidance when it fits my goals
I actively look for trusted financial education
How do you handle financial disagreements with others?
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I avoid talking about money
I get stressed or shut down
I try to explain my side, but it can be hard
I try to listen and make a plan together
I feel comfortable having honest money conversations
How do you approach financial education?
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I avoid it because it feels confusing
I read or watch tips sometimes
I learn best with simple step-by-step guidance
I have taken classes or workshops before
I actively look for trusted financial education
Have you ever taken a credit education or financial wellness course before?
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Yes, I completed a course before
Yes, but I did not finish it
No, I have never taken one
I have watched videos or read tips, but not a full course
I’m not sure
Would you like information about a DIY credit education course that teaches you how to understand your credit report, credit score, budgeting habits, and dispute rights?
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Yes, send me course information
Maybe, I want to learn more first
Not right now
I’m only interested in the quiz/check-in today
What is the highest common FICO credit score?
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300
650
750
850
What is the lowest common FICO credit score?
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100
300
500
600
Does checking your own credit report usually hurt your credit score?
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Yes, checking your own report always hurts your score
No, checking your own report is usually a soft inquiry
Only if your score is low
Only if you check it more than once
Why should you avoid companies that guarantee a specific credit score increase?
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Because no company can guarantee an exact credit score outcome
Because guaranteed results usually happen overnight
Because credit reports never change
Because all financial education is the same
What is the safest way to describe DIY credit education?
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Learning how to review your credit reports, understand credit scores, build better money habits, and dispute possible errors yourself
Paying someone to erase accurate negative information
Creating a new identity to start over
Ignoring credit reports until a lender checks them
Global Countdown
Would you like more information about BOBCCPROS courses, coaching, or counseling-style financial wellness support?
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Yes, I would like information about the DIY credit education course
Yes, I would like information about financial wellness coaching
Yes, I would like help deciding which option fits me best
Maybe later, please send me general information
No, not at this time i;m just here for a free quiz
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