QUESTION 14 The following steps should be followed in order to raise one's credit score over time: a. Pay bills on time b. Use less than 30% of available credit limit on each credit card you possess O c. Check your credit report at least annually and correct any mistakes on it Od. All of the above QUESTION 15 With an adjustable rate mortgage (ARM) the borrower can change the interest rate at any time. O a. True Ob. False

The following steps should be followed in order to raise one's credit score over time: a. Pay bills on time b. Use less than 30% of available credit limit on each credit card you possess c. Check your credit report at least annually and correct any mistakes on it d. All of the above QUESTION 15 With an adjustable rate mortgage (ARM) the borrower can change the interest rate at any time. a. True b. False