How many times per year can you request a free copy of your credit report from each of the primary credit bureaus?

As many times as you want.

One time.

Two times.

Three times.

Thomas failed to make his loan payments, and the court ordered his employer to pay his wages directly to his creditor. What does this example represent?

A loan

Credit

Garnished wages

A fee

All of the following statements regarding credit inquiries are true, except:

hard credit inquiries generally have a negative impact on credit scores, but soft credit inquiries generally have no effect.

when an individual requests his or her own credit report, it is considered a hard inquiry.

soft credit inquiries generally do not affect credit scores.

hard credit inquiries generally have a negative impact on credit scores.