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Financial Literacy Test

This free 20-question test will reveal if your financial knowledge is up to par. Select your answers and click the CHECK ANSWERS button at the bottom of the page to see how you did.

If the questions have you stumped, sign up for Consolidated Credit’s free online financial education course to improve your financial knowledge.

Consolidated Credit Owl Mascot illustration in Professor outfit
How much money should you put into savings every month?
How much of your income should be used on monthly credit card payments?
What’s the maximum debt-to-income ratio a person can have and still qualify for a mortgage?
How often can you check your credit report for free?
How much money do you need for a down payment on a traditional mortgage?
What does APR stand for?
How is net worth calculated?
How soon should you check your credit prior to a major purchase?
How many payments are typically needed before penalty APR can be removed?
What are the 3 C’s of credit worthiness?
What are the three types of expenses in a budget?
What kind of credit card can you get with bad credit or no credit score?
What federal law protects your rights from abusive collection tactics?
How long does it take for an account to go to collections?
What are the names of the three big credit bureaus in the U.S.?
What are the two types of personal bankruptcy filings you can make?
How long do credit inquiries affect your credit score?
What’s the retirement plan that you get through your employer called?
What debts cannot be discharged by bankruptcy?
Which factors are used to calculate credit score?

If you’re having financial challenges that require assistance, we’re here to help. Call us at (844) 276-1544 to speak with a certified credit counselor.

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