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Credit Agent Plus Membership Assessment

This assessment will help us know your current knowledge of credit and personal finance. After reviewing your results, we will schedule a free consultation with a certified financial counselor. In addition we will send a checklist on how to get started on changing your financial life.

Do you understand your money and your credit profile?

Start

Question 1 of 11

Did your parents talk to you about money?

(Select all that apply)
A

YES

B

No

Question 2 of 11

Did you learn about personal finance in school?

 

A

yes

B

No

Question 3 of 11

What do you estimate your credit score is today?

(Select all that apply)
A

Above 720

B

Below 720

C

I don’t know my score

Question 4 of 11

Your credit score is based on what model?

A

FICO

B

Vantage Score 3.0

C

I don’t know

Question 5 of 11

What is the greatest impact to your score?

A

Payment History

B

Length of Credit History

C

Credit Types

D

The amount of trade lines or credit?

E

Payment History and Credit Ratio

F

All of the Above

Question 6 of 11

What is your Credit Utilization Percentage?

A

Below 30%

B

Above 30%

C

I don’t know

Question 7 of 11

Do you know the following about your financial position? 

Networth

Liquidity

Quick Ratio or Current Ratio

Debt to Income 

Savings Ratio 

Budget Variance

A

Yes - I know all my ratios and what they mean for my financial life.

B

I know these ratios mean, but I have not personally calculated them In my finances.

C

No clue what these ratios mean

Question 8 of 11

Which financial principle do you you govern your finances?

A

I use the traditional 85/15 plan

B

I use a more conservative 70/15/10/5 plan

C

I live paycheck to paycheck

D

I don’t know what your talking about?

Question 9 of 11

Do you have a financial plan and if so how often do you review your plan to make sure you are progressing?

A

I have a plan and review it annually

B

I don’t have a plan at all

Question 10 of 11

Is your portfolio diversified and do you feel confident in your investments?

A

Yes I am diversified and feel confident in my investments

B

No, I don’t have investments or I don’t feel confident with what I have.

Question 11 of 11

Have you consider your legacy and have a  complete succession plan in place including your  Will, any Trusts and Estate Planning?

A

Yes, I have all my plans in order

B

No, I do not have any of these items.

C

I have no clue why I should have these items in place.

Confirm and Submit