(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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Down payment
Unsecured Loan
Most debts to creditors are eliminated
Creditors and landlords
$50
Character, collateral, and capacity
A number given by credit rating agencies based on a person’s credit worthiness
$16.00
The card is in effect for one year
lenders are more likely to approve a loan with a reasonable interest rate for a person with a high credit score
House
Collateral
Chapter 13 Bankruptcy
Help the public become informed consumers
Consumers are provided with information on what the total cost of their loan will be before signing a loan agreement
Penalty Fees
Expensive and should be avoided since the IRS refund check arrives soon after the return is filed
Make larger payments each month to pay the loan in less than 20 years
Bankruptcy
Seven years from when she made her last payment on the loan
Request that the credit reporting agency correct the credit report
Free!
An easy way to accumulate a large amount of debt
Notify each credit card company immediately
Credit
Has a bad credit history
Cannot raise the APR automatically
How much is being charged in interest on the loan each ear
Added the purchase to her credit card bill to be paid on the due date
Protect consumers against unfair credit card practices
Pay the complete balance each month
Payments for student loans must begin six months after graduation from college
Charge a late fee and may give a 45-day notice to raise the interest rate
Decreased because some of her future earnings must pay for the new television
Landlords and lenders make decisions that are influenced by an applicant’s score
They can work with those who loaned Tartan money to get an affordable repayment schedule
Risk-Based Lending
Fair Isaac Corporation
Secured Loan
Late, and the company will assess a late fee
Generally, student loans must be repaid even if the borrower files for bankruptcy
Capacity
The credit card company did not have the payment on or before the due date
Dollar amount for borrowing
Can increase as the prime rate increases
Both Individuals
Easy to spend more than a person can afford to repay
Frequent late payments
Protect consumers against misleading and unfair practices
Interest on the unpaid balance
Financial products and services are fair for consumers
Charge a late fee on the account
Address unfair practices
A fee on the credit card bill for the month the limit was exceeded
Unpaid state and federal taxes
Lien
Small loan companies
Finance Charges
Something of value that secures a loan to protect the lender
Last month’s unpaid balance and new purchases
Individuals with a poor credit history
Charge high interest rates
A good credit history or report can help a person get an apartment
Pawn Shops
Very high interest rate and fees
The card company not being paid can raise its APR after giving a 45-day notice
Garnishments
Open/Revolving Credit
Creditors feel that the total amount she can charge on cards is more than her ability to repay
Identity Theft
Contact the borrower at a reasonable hour to discuss the outstanding debt
Has not made a payment in 60 days
10% of their monthly net income
A fee for setting up and overseeing a debt repayment plan
Money borrowed for a short period of time against a future paycheck
A person has a poor credit history
Very high
A lender who offers to refinance the loan at a higher interest rate when the person is unable to make payments
U.S. Department of the Treasury
Credit Life Insurance
The interest paid on the loan is tax deductible
Garnishment
Lenders
If this information is accurate, it can stay on this person’s credit report for 7 years
The employer is ordered by the court to deduct a portion of a person’s salary to pay the person’s unpaid debt
Debt
Compound interest
Credit score
The person who pays the minimum amount due each month
Loans are difficult to get during a recession
Refusing to give his Social Security number on a phone call he did not make himself
Making a higher down payment on the house
Annual fees
$200 - $1,400
Free copy of the credit report if he requests it within 60 days
He has a credit problem
800
Something of value that secures a loan to protect the lender
Annual percentage rate (APR)
The Annual percentage rate (APR) on the monthly statement
Credit report
Shred the USA credit card and instruct the credit card company in writing or by phone to close the account
Pay bills on time
Be extremely careful about disclosing account information to unsolicited callers
Irresponsible because he does not have sufficient income to repay debt
A debt
The person’s religion and gender
Is creditworthy and deserving of a loan at a low interest rate
Has fully paid for the car and there is no lien on the car
Very good; she should be able to obtain most types of credit at a reasonable interest rate
Eviction
Foreclosure
For a 7-year period
Mortgage
Student loan
Principle
Amount owed on the card is lower than the line of credit
How much interest will be paid over the life of the loan increasing the real cost of the item?
The collateral has monetary value and can be used if the borrower defaults on the loan
The creditor
The fees and interest charged on these loans make payday loans among the most expensive loans
Very good; she should be able to obtain most types of credit at a reasonable interest rate
Minimum payment
Repossession
Interest rates on credit cards are not limited
Consolidated loan
A person is entitled to one free copy of her credit report each year from each of the three leading credit reporting agencies
Experian
Getting and responsibility using a store charge account
