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