A credit report lists an auto loan as open, but Imani has a payoff letter showing it was closed last year. What should she include with her dispute?

Rosa sees an account on her credit report that is not hers. What is the most appropriate first action?

A report shows a $500 credit-card balance that Jordan never charged. Which evidence would best support a dispute?

Maya's report says she paid a loan 60 days late, but her bank record shows the payment cleared before the due date. If her dispute is upheld, what happens to the late-payment entry?

After receiving a credit report, Leo finds a misspelled name but no incorrect accounts or balances. What should he request in a dispute?

A bureau's investigation keeps a collection account on Nia's report, but Nia has documents showing the debt was paid by someone else. What is a reasonable next step?

A cardholder's payment record moves from on time to 30 days late and then 60 days late. Which score factor is most directly affected?

Devin has paid every account by its due date for two years. Which credit-score factor does this pattern most strongly support?

Ava lowers her card balances from nearly their limits to small balances. Which score factor is most directly improved?

Noah keeps his oldest credit-card account open and in good standing. Which score factor does that help preserve?

Talia responsibly manages a credit card and an installment auto loan. Which score factor is represented by having these different account types?

Within one month, Omar applies for several credit cards, creating several hard inquiries. Which score factor may be affected?

Use the card table. What is the card's credit utilization?

Read the card table. What utilization rate should be reported for this card?

A card statement is shown. What percentage of available credit is being used?

According to the card table, what is Priya's utilization?

Use the card data. What utilization percentage results from this balance and limit?

The table shows one revolving account. What is its credit utilization?

With minimum payments covered, Zoe uses the debt snowball. Her balances are $150, $450, and $900. Where should her extra payment go?

Andre uses a debt snowball after paying all minimums. His debts are $700, $260, and $410. Which debt receives the extra payment?

Keisha owes $1,100 at 24%, $300 at 9%, and $650 at 15%. After minimums, which payoff order usually saves her the most interest?

After paying off his $125 store-card balance, Miguel uses the snowball method. His remaining balances are $380 and $720. Where does his former $125 payment go?

Sofia has debts of $500 at 8%, $200 at 15%, and $350 at 24%. She chooses a snowball, not an avalanche. Which debt gets extra money first?

With minimum payments covered, Malik uses a debt avalanche. His debts have APRs of 11%, 19%, and 27%. Which debt gets the extra payment?

Elena owes $400 at 18%, $900 at 12%, and $600 at 25%. After minimums, she uses an avalanche. Which balance is her target?

Darius follows the avalanche method. His loans are 9%, 16%, and 14% APR. Which rate identifies the loan that receives extra payment?

Three balances have APRs of 29%, 7%, and 21%. If Marisol uses the avalanche strategy, what should she target after minimum payments?

Ethan has a $250 balance at 10%, a $500 balance at 22%, and a $100 balance at 17%. Which debt is paid first under an avalanche but last under a snowball?

Compare the two payoff offers in the table. Which statement is correct?

Use the refinance comparison. Which option has the lower total of scheduled payments?

A consolidation loan would replace two debts. Based on the table, which repayment total is lower?

Read the offers table. If both plans are paid as scheduled, which costs less overall?

An auto loan appears on a credit report with its balance and payment record. Who most likely furnished that information to the bureau?

A credit report lists a credit-card balance and monthly payment status. Who generally supplies those account details?

A collection account appears on a consumer's credit report. If the account was sent to collections, who may furnish the collection information?