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