Q4:How would you describe what a credit reporting agency (CRA) does?

Q5:Which of the following best describes a CRA?

Q6: Can you name any of the nationwide CRAs?

Q7: What is a credit report?

Q8: When can you order a credit report?

Q9: Where would you get a copy of your credit report?

Q10: Does your state allow residents to receive a free credit report?

Q11: How much will a CRA charge for a copy of your credit report?

Q12A: Is the following a source of information on your credit report: banks and other lenders?

Q12B: Is the following a source of information on your credit report: courthouse and other public records?

Q12C: Is the following a source of information on your credit report: credit card companies?

Q12D: Is the following a source of information on your credit report: debt collectors?

Q13: How many CRAs are lenders required to report to?

Q14A: Are Social Security numbers on credit reports?

Q14B: Are bankruptcies on credit reports?

Q14C: Are credit histories on credit reports?

Q14D: Is race on credit reports?

Q14E: Is income on credit reports?

Q14F: Is a list of those who have requested and received your credit report on your credit report?

Q14G: Are checking account balances on credit reports?

Q15: Can non-payment of a credit card bill be reported on your credit report?

Q16: How long does information, such as making a late payment, stay on your credit report?

Q17A: Is a potential employer permitted to see your credit report without your consent?

Q17B: Is someone who has a need for your credit history in connection with a product or service that you have requested permitted to see your credit report without your consent?

Q17C: Is anyone who wants to view it permitted to see your credit report without your consent?

Q17D: Is someone who has a court order permitted to see your credit report without your consent?

Q18A: Can your credit history affect your ability to get a loan?

Q18B: Can your credit history affect interest rates on loans?

Q18C: Can your credit history affect your ability to receive Social Security benefits?

Q18D: Can your credit history affect insurance coverage and/or premiums?

Q18E: Can your credit history affect an employer's hiring decision?

Q18F: Can your credit history affect your ability to get a driver's license?

Q18G: Can your credit history affect a landlord's rental decision?

Q19: Have you ever viewed your credit report?

Q20: When did you last see your credit report? (of those who said "yes" to Q19)

Q21: Did you order your credit report yourself or did someone else order it? (of those who said "yes" to Q19)

Q22: Who? (of those who said "someone else" to Q21)

Q23A: Did you order your last credit report due to an adverse action? (of those who said "yes" to Q19)

Q23B: Did you order your last credit report because you suspected fraud and/or identity theft? (of those who said "yes" to Q19)

Q23C: Did you order your last credit report because you were looking for a job? (of those who said "yes" to Q19)

Q23D: Did you order your last credit report because you were making a large purchase or refinancing? (of those who said "yes" to Q19)

Q23E: Did you order your last credit report to check for completeness and accuracy? (of those who said "yes" to Q19)

Q23F: Did you order your last credit report for another reason? (of those who said "yes" to Q19)

Q24: If you gave more than one reason in Q23, what was your primary reason?

Q23/Q24: Q23/Q24: Considering responses to both Q23 and Q24, what was the primary reason for ordering your credit report?

Q25: As far as understanding your credit report, did you find the information to be...

Q26: Can you dispute information on your credit report?

Q27: Do you think you need to check you credit report from time to time for errors?

Q28: Who would contact first to dispute an error on your credit report?

Q29: If you want to correct information on your credit report, what will the CRA do?

Q30: When investigating disputed information, CRAs are required to do which of the following:

Q31: If you are unable to resolve a disputed item with a CRA, what can you do?

Q32: If your resolve an inaccuracy with one CRA will it automatically be corrected by all CRAs?

Q33a: With which government agency would you file a complaint if you are not satisfied with a CRA's work? Federal Trade Commission (FTC)

Q33b: With which government agency would you file a complaint if you are not satisfied with a CRA's work? Better Business Bureau

Q33c: With which government agency would you file a complaint if you are not satisfied with a CRA's work? Other

Q33d: With which government agency would you file a complaint if you are not satisfied with a CRA's work? Do not know

Q34: Have you tried to dispute information on your credit report?

Q35: What type of information did you dispute? (of those who said "yes" to Q34)

Q36: When was the last time you disputed? (of those who said "yes" to Q34)

Q37: Who did you contact to dispute? (of those who said "yes" to Q34)

Q38: Was the information under dispute removed from your credit report? (of those who said "yes" to Q34)

Q39: If the disputed information was removed, was it later reinserted? (of those said "yes" to Q38)

Q40: Did you add a statement to your report about your dispute?

Q41: Have you ever been a victim of identity theft?

Q42: Do you know anyone who has been a victim of identity theft?

Q43: What is a credit score?

Q44: Which of the following describes a credit score?

Q45A: How will having a credit history for a short time affect your credit score?

Q45B: How will having a credit history for a long time affect your credit score?

Q45C: How will having a low checking account balance affect your credit score?

Q45D: How will frequently applying for new credit affect your credit score?

Q45E: How will making late payments on your credit card affect your credit score?

Q45F: How will using most of the credit available to you affect your credit score?

Q45G: How will skipping a loan payment that is due affect your credit score?

Q45H: How will requesting a copy of your own credit report affect your credit score?

Q46: What is a possible credit score?

Q47: Have you ever obtained your credit score?

Q48A: According to a new law that affects your rights regarding credit, will all consumers be able to request one free credit report a year?

Q48B: According to a new law that affects your rights regarding credit, will lenders have to report to all three CRAs?

Q48C: According to a new law that affects your rights regarding credit, will the use of credit scores by lenders be prohibited?

Q56A: Have you ever had a checking account?

Q56B: Have you ever had a credit card?

Q56C: Have you ever had an automobile loan?

Q56D: Have you ever had a mortgage or home loan?

Q56E: Have you ever had a savings account or certificate of deposit?

Q56F: Have you ever had a mutual fund?

Q56G: Have you ever had stocks in individual companies?

Q56H: Have you ever had government bonds?