| 1) Your employer can get a copy of your credit report without your permission. |
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| 2) How many years does bankruptcy information stay on your credit report? |
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| 3) You're entitled to a free copy of your credit report if you've been denied credit. |
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| 4) Can credit repair companies remove bankruptcies, judgments, liens, late payments, and bad debts from your credit file? |
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| 5) Businesses that offer advance-fee loans can ask you to pay for their service before you get the loan or credit. |
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| 6) It's a good idea to have your Social Security number printed on your checks. |
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| 7) If you report that a credit card has been lost or stolen before someone has used it, the card issuer cannot hold you responsible for any unauthorized charges. |
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| 8) Equity stripping could result in you losing your home. |
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| 9) A "grace period" lets you avoid the finance charge on your credit card if you pay your current balance in full before the "due date" shown on your statement. |
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| 10) Leasing a car always gives you cheaper monthly payments than buying one. |
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| 11) You have three days to cancel a new car sale. |
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| 12) You should be cautious about using your car as collateral on a loan. |
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| 13) Cosigning a loan means you agree to guarantee the debt. |
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| 14) Most vehicle leases limit the number of miles you may drive. |
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| 15) You have the right to know what's in your credit report. |
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| 16) Vehicle repossession does not apply to leased vehicles. |
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| 17) Credit scoring is a system creditors use to help determine whether to give you credit. |
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| 18) A debt collector may contact you after 9:00 p.m. |
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| 19) When you use your home as collateral to take out a loan, you generally have the right to cancel the credit transaction within three business days for any reason. |
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| 20) If you pay by credit card or charge card when you shop online, your transaction will be protected by the Fair Credit Billing Act. |
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