No matter if we like it or not, we are a nation of credit. We probably won’t be able to change that anytime soon, so how can we insure that we are positioned so credit doesn’t come back to haunt us? Education. We need to understand our credit report and how credit scoring works. Here’s a 10 question quiz of something I received from Equifax. ^[2]

These are all True or False.

1. Equifax ^[3], Transunion, or Experian (the big three credit reporting agencies) determine if you get a loan and at what rate.