(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.
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Loans are difficult to get during a recession
Credit report
Be extremely careful about disclosing account information to unsolicited callers
Has a bad credit history
Annual percentage rate (APR)
A good credit history or report can help a person get an apartment
Pay bills on time
Decreased because some of her future earnings must pay for the new television
Chapter 13 Bankruptcy
Easy to spend more than a person can afford to repay
Most debts to creditors are eliminated
Collateralized loan
Garnishments
Making a higher down payment on the house
Risk-Based Lending
A fee for setting up and overseeing a debt repayment plan
Open/Revolving Credit
Minimum payment
The person’s religion and gender
Protect consumers against misleading and unfair practices
Credit Life Insurance
Unpaid state and federal taxes
He has a credit problem
Pay the complete balance each month
Experian
Credit
Charge a late fee on the account
Frequent late payments
Help the public become informed consumers
Principle
Very high interest rate and fees
Lenders
House
They can work with those who loaned Tartan money to get an affordable repayment schedule
lenders are more likely to approve a loan with a reasonable interest rate for a person with a high credit score
Cannot raise the APR automatically
The card is in effect for one year
Late, and the company will assess a late fee
U.S. Department of the Treasury
Identity Theft
Has not made a payment in 60 days
Interest rates on credit cards are not limited
$200 - $1,400
Eviction
Seven years from when she made her last payment on the loan
Financial products and services are fair for consumers
Annual fees
Very high
Secured Loan
The card company not being paid can raise its APR after giving a 45-day notice
$50
Very good; she should be able to obtain most types of credit at a reasonable interest rate
The person who pays the minimum amount due each month
Charge a late fee and may give a 45-day notice to raise the interest rate
The creditor
Contact the borrower at a reasonable hour to discuss the outstanding debt
A lender who offers to refinance the loan at a higher interest rate when the person is unable to make payments
10% of their monthly net income
Address unfair practices
Character, collateral, and capacity
Finance Charges
Penalty Fees
Credit score
Notify each credit card company immediately
Request that the credit reporting agency correct the credit report
The Annual percentage rate (APR) on the monthly statement
For a 7-year period
Has fully paid for the car and there is no lien on the car
Mortgage
How much is being charged in interest on the loan each ear
Individuals with a poor credit history
Pawn Shops
A person has a poor credit history
Creditors and landlords
Free copy of the credit report if he requests it within 60 days
Creditors feel that the total amount she can charge on cards is more than her ability to repay
Can increase as the prime rate increases
Foreclosure
Shred the USA credit card and instruct the credit card company in writing or by phone to close the account
800
Dollar amount for borrowing
A fee on the credit card bill for the month the limit was exceeded
Capacity
The credit card company did not have the payment on or before the due date
Unsecured Loan
Very good; she should be able to obtain most types of credit at a reasonable interest rate
The interest paid on the loan is tax deductible
Last month’s unpaid balance and new purchases
Payments for student loans must begin six months after graduation from college
Compound interest
A debt
Protect consumers against unfair credit card practices
Both Individuals
$16.00
A number given by credit rating agencies based on a person’s credit worthiness
Repossession
Student loan
Irresponsible because he does not have sufficient income to repay debt
Debt
Annual percentage rate (APR)
Down payment
Getting and responsibility using a store charge account
Consolidated loan
Collateral
Bankruptcy
Fair Isaac Corporation
Refusing to give his Social Security number on a phone call he did not make himself
How much interest will be paid over the life of the loan increasing the real cost of the item?
Generally, student loans must be repaid even if the borrower files for bankruptcy
Something of value that secures a loan to protect the lender
Lien
Garnishment
Added the purchase to her credit card bill to be paid on the due date
Make larger payments each month to pay the loan in less than 20 years
