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