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Financial Literacy Test

Take this free 20-question test to see if your knowledge is up to par.

Answer all of the questions below and then tap the CHECK ANSWERS button at the bottom to see how you did. If you find you don’t know enough about a particular topic, you can find a wide array of resources to help improve your understanding. If you get stuck or 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.

Building financial literacy improves financial well-being
How much money should you put into savings every month?
What are the 5 factors that add up to make your credit score?
What’s the most income you should use on monthly credit card payments?
What’s the maximum debt-to-income ratio you should have to maintain financial stability?
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 do you have to make before penalty APR can be removed?
What are the 3 C’s of credit worthiness?
What are the three types of expenses in your 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?
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