Posts Tagged ‘freescore.com’

Last month I put my credit knowledge to the test at FreeScoreQuiz.com, powered by FreeScore, and confirmed what I suspected, I have a great handle on the dos and don’ts of money-management.

But knowing, and doing are two totally different things.

I’d like to think I am a responsible spender. I use cash instead of credit whenever possible to avoid unnecessary interest fees. Wait for sales and flip over amazing bargains. In fact, years later I’m still basking in the shopper’s-high glow of a few score-of-a-lifetime bargains. I’ll spare you the details… this time.

But discount shopping fun aside; I have my spending slip-ups too. I love live music and nights out with friends, and rarely say no when presented opportunities to participate in either. Leaving me to wonder: Am I really responsible with my money? Or do I just turn a blind eye to my bad habits?

I figured it was time to face facts and see if I truly practice what I preach, or should learn to keep my comments to myself the next time my boyfriend plays 36 holes in one day.

Good thing then Filbert the Squirrel is back with another revealing quiz from FreeScore, this time specifically for Facebook. The FreeScore Financial Personality Quiz helped me determine whether I’m a “Jet Setter,” “Money Maven,” “Cheapskate,” or “Living on a Prayer” when it comes to my finances.

Apparently, I’m NOT a “Jet Setter” — really no big surprise there. But Filbert and FreeScore did help me figure out a thing or two about what kind of money-manager I am, and I’m sure the FreeScore Financial Personality Quiz on Facebook can do the same for you.

Take the FreeScore Financial Personality Quiz on Facebook and then tell me what you learned about your own spending habits.

You see them all over the Internet; those enticing little links challenging you to test your brainpower with an IQ test. While entertaining for sure, you don’t really learn anything more than how well you take an IQ test — and possibly that your teenage cousin is way smarter than you. Ouch. Personally, if I put the time in, I want something more applicable to the real world out of it. Take for example the FreeScoreQuiz.com site, brought to you by Freescore.com. There, I tested my knowledge of the credit-scoring world and actually learned something about what makes it tick — which in this credit-crunched economy is more important than ever.

Funny little Filbert the Squirrel of FreeScore fame happily guided me through a series of questions designed to test and educate me about the ins and outs of the credit community. A little understanding of what are and are not positive credit practices goes a long way to helping me improve my score.

We all know (or some of us do anyway) that a poor credit score and battered credit history can raise your interest rates, cost you a mortgage and even stop a home purchase dead in its tracks. But FreeScoreQuiz.com — and of course, Filbert the Squirrel — revealed just how far into other areas of life a low credit score and less than stellar credit history can reach.

I got a little tripped up on a question asking who exactly has access to my credit report — apparently employers, landlords, and even insurance companies do. Who knew a few late credit card payments could hurt my chances at landing a job or getting a new apartment? Well, apparently Filbert the Squirrel did. And now so do I.

Even if you think you know it all, it’s always good to take a second look. Who knows you might learn something new? I know I did. And when I forward FreeScoreQuiz.com to my bratty… I mean brilliant cousin, hopefully she will too. And with any luck she won’t make those college-age credit mistakes that could kill her credit score years before she even enters the real world.