How should you use your right to see your own file?

• Never look at it, in case looking harms your score
• Check it yourself and read every entry
• Ask a stranger to check it for you

What is a credit report?

• A file of your loans, cards and payment history
• A letter from your employer about your salary
• A list of things you bought with cash

Checking your own credit file lowers your credit score.

Circle one:   True   False

Why can having no credit history count like a bad history?

• New borrowers always owe large hidden debts
• Lenders cannot see reliability, so they treat silence as risk
• Empty files are illegal and lenders reject them

Your report shows a wrong address and a settled debt marked unpaid. What do you do?

• Open a new account to bury the errors
• Ignore small errors since lenders ignore them too
• Dispute each error in writing with evidence

Which set of habits raises a score over time?

• Pay on time, keep balances low, avoid application bursts
• Miss due dates, max cards, apply everywhere at once
• Close the oldest card and move house often

A friend says salary appears in the credit score. What is wrong, and what matters instead?

• Salary never appears; payment behaviour does
• Salary appears but savings do not
• Nothing is wrong; the score is just your salary

Closing your oldest card to simplify life dips your score. Why?

• Old cards secretly hold your salary data
• Lenders punish anyone owning fewer cards
• It can shorten your visible history