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Across 4. 50% - 30% - 20% Rule 7. One of the 3 C's of credit 9. Someone that assumes equal liability for your loan. If you default, they become responsible for its repayment. 10. Failing to repay a loan. 12. How many free credit reports is a consumer eligible per year from each of the major credit bureaus using annualcreditreport.com 14. ID theft jackpot #4 15. A number used by financial institutions and credit card companies to determine risk level when issuing you a loan or a credit card. 17. ID theft jackpot #2 18. ID theft jackpot #1 22. The three things you should do that will help you stick to a budget. 24. Fastest growing non-violent crime in North America. 25. One of the 3 C's of credit 26. In savings and investments, this refers to the original amount of money invested. In lending, it refers to the amount of money borrowed on a loan. 27. _______ _______ is calculated using your initial investment only.

Down 1. This is the annual percentageIt’s an effective interest rate, meaning it takes into account the effect of compound interest. rate. It’s a nominal interest rate, meaning it stays constant year to year. 2. One of three major credit reporting agencies. 3. This is the annual percentage rate. It’s a nominal interest rate, meaning it stays constant year to year. 5. Each month, your credit card company must provide you with a _________. 6. ID theft jackpot #3 8. ID theft jackpot #5 11. Peoples dreams and aspirations are often called ________. 13. Credit reporting agency Qualstar uses most in consumer lending. 14. The smallest amount you can pay on your credit card each month to stay current and avoid late fees. 15. With _______ ________ the interest you earn is added to your initial investment, meaning you earn interest on your interest. 16. Something you should do every time you get paid. 19. Fancy name for a budget. 20. One of three major credit reporting agencies. 21. One of the 3 C's of credit 23. The company that Qualstar partners with to help members with their financial needs such as credit counseling, credit report reviews and a multitude of podcasts, calculators and webinars.