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Career Prep 2nd Semester Exam
Test Description: 2nd semester
Instructions: Answer all questions to get your test result.
1) Maintaining a reasonable amount of unused credit:
A
negative impact on credit report
B
positive impact on credit report
C
no impact
2) Routinely paying bills late
A
negative impact on credit report
B
no impact
C
positive impact on credit report
3) Numerous credit applications in a short period of time
A
positive impact on credit report
B
no impact
C
negative impact on credit report
4) How many credit reporting bureaus are there?
A
3
B
1
C
2
D
4
5) Not paying a traffic ticket
A
positive impact on credit report
B
no impact
C
negative impact on credit report
6) Late medical payments
A
positive impact on credit report
B
negative impact on credit report
C
they can't use late medical payments on credit reports
D
no impact
7) Annual Percentage Rate (APR)
A
the interest rate charged on a credit card bill that must be paid everymonth
B
amount of money earned before taxes are taken out
C
fee charged when a cardholder does not make the minimum monthly payment by due date
D
take home pay
8) Credit report
A
the price of money
B
a record of the borrower's past loan and credit-related transactions
C
take home pay
D
amount of money earned before taxes are taken out
9) Resume
A
should always include references
B
must list extra-curricular activities
C
should have education history on it
10) Mission statement
A
the goals of a business
B
should not include employee or customer goals
C
the future goals of a business
*select an answer for all questions
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