Complete the crossword, then click on "Check" to check your answer. If you are stuck, you can click on "Hint" to get a free letter. Click on a number in the grid to see the clue or clues for that number.

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 Check 

Across: 1. The amount of cash the customer has available to make the payments on a new debt after all existing obligations have been paid 3. An asset that is pledged as security for a loan or financing, such as a vehicle. 7. Commercial ventures whose business is to collect credit information from lenders on borrowers, organize this information, and issue reports to their customers (the lenders) for use in evaluating credit applications. 8. A failure to meet credit obligations as agreed. This is normally defined by state law. 9. A numerical representation of the likelihood of an individual meeting their credit obligations calculated using statistical models. 10. One of the three credit bureaus. 11. The record of how a person has borrowed and repaid debts.

Down: 2. Any time you don't pay your bill in full, the ________ is the rate of interest your have to pay. 4. The charge for not making payments on time. 5. The number of days before interest is charged on new purchases 6. The form the credit bureau sends containing the data in their file about an individual.