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Susan Has Always Maintained an Excellent Credit Rating Over the Years

question 73

Multiple Choice

Susan has always maintained an excellent credit rating over the years. She has an annual income of $63,000, has lived at her current residence thirteen years, and has worked at the same job for eight years. Susan works in a clerical position, has two credit cards and maintains two bank accounts. Susan is very conservative and has all of her savings ($12,000) in a NOW account at her local bank. One of her credit cards has a balance of $550 and has an APR of 23%. Susan has been making monthly minimum payments on the credit card. Out of curiosity she would like to know how her credit card companies judge her creditworthiness and what she can do to improve her financial situation.
-Susan has never seen a copy of her credit report. Which of the following is NOT a credit bureau?

Definitions:

Divisional

A divisional structure in an organization is a form of internal organization where divisions are created to operate semi-autonomously, each focusing on a particular product line, market sector, or geographical area.

Organizational Structure

The system of tasks, workflows, reporting relationships, and communication channels that link together the work of diverse individuals and groups.

Functional Authority

Functional authority is the right granted to individuals based on their expertise in specific areas, allowing them to direct activities within their domain of expertise.

Advisory Authority

The power to give advice and recommendations without having the authority to mandate actions.