NACA HUD CERTIFICATION EXAM QUESTIONS
WITH CORRECT ANSWERS 2025
CreditRReportR-RCORRECTRANSWERR-
aRcompilationRofRdataRaboutRyouRthatRhasRbeenRgatheredRbyRcreditRreportingRagenciesRorR"creditRbureaus"
LengthRofRCreditRHistoryR-RCORRECTRANSWERR-MakesRupR15%RofRFICORscore
TypeR-RCORRECTRANSWERR-__RofRcreditRuseRmakesRupR10%RofRFICORscore
NewRCreditRorRInquiriesR-RCORRECTRANSWERR-MakesRupR10%RofRFICORscore
AmountsROwedR-RCORRECTRANSWERR-MakesRupR30%RofRFICORscore
PaymentRHistoryR-RCORRECTRANSWERR-MakesRupR35%RofRFICORscore
FairRCreditRReportingRActR(FCRA)R-RCORRECTRANSWERR-
actRthatRprotectsRprivacyRofRbackgroundRinformationRandRensuresRthatRinformationRsuppliedRisRaccurateRin
RtheRfilesRofRtheRnation'sRcreditRreportingRcompanies
ResidentialRMortgageRCreditRReportR-RCORRECTRANSWERR-
aRcreditRreportRcontainingRinformationRfromRallRthreeRcreditRbureausRandRisRusedRtoRdetermineRcreditRwort
hinessRthereforeRisRfullRverifiedRwhenRaRcustomerRappliesRforRaRloanRandRitRwillRaffectRtheRcreditRscore
NegativeRAmortizationR-RCORRECTRANSWERR-
whenRtheRloanRprincipalRincreasesRoverRtimeRevenRthoughRyouRareRmakingRpayments
BalloonRPaymentR-RCORRECTRANSWERR-
aRfinalRloanRpaymentRthatRisRmuchRlargerRthanRtheRregularRmonthlyRpayments
PITIR-RCORRECTRANSWERR-Principal,RInterest,RTaxes,RInsurance
, 4RC'sRofRCreditR-RCORRECTRANSWERR-Capacity,RCapital,RCharacter,RCollateral
ChapterR7RBankruptcyR-RCORRECTRANSWERR-
StraightRBankruptcy;RmostRcommonRformRforRindividuals;RtypicallyRusedRbyRpeopleRwhoRhaveRnoRhopeRofRr
epayingRtheirRdebt;
TruthRinRLendingRActR(TILA)R-RCORRECTRANSWERR-
RequiresRlendersRtoRprovideRconsumersRwithRloanRcostRinformationRsoRthatRtheyRcanRcomparisonRshopR(toR
protectRconsumersRagainstRinaccurateRandRunfairRloanRbillingRandRcreditRcardRpractices)
TitleR6RofRtheRCivilRRightsRActRofR1964R-RCORRECTRANSWERR-
noRpersonRinRtheRunitedRstatesRshall,RonRtheRgroundRofRrace,Rcolor,RorRnationalRorigin,RbeRexcludedRfromRpa
rticipationRin,RbeRdeniedRtheRbenefitsRof,RorRbeRsubjectedRtoRdiscriminationRunderRanyRprogramRorRactivityR
receivingRfederalRfinancialRassistance.
TitleR8RofRtheRCivilRRightsRActRofR1968R-RCORRECTRANSWERR-
TheRFairRHousingRAct;RExecutiveROrderR11063R(ThisROrderRsignedRbyRJFKRonRNov.R20,R1962,R"prohibitsRdiscr
iminationRinRtheRsale,Rleasing,Rrental,RorRotherRdispositionRofRpropertiesRandRfacilitiesRownedRorRoperatedR
byRtheRfederalRgovernmentRorRprovidedRwithRfederalRfunds."RThisRorderRbannedRsegregationRfederallyRfun
dedRhousing.)
SectionR504RofRtheRRehabilitationRActRofR1973R-RCORRECTRANSWERR-
ExtendsRcivilRrightsRtoRpeopleRwithRdisabilities;RtheRfirstRdisabilityRcivilRrightsRlawRtoRbeRenactedRinRtheRU.S;R
setRtheRstageRforRtheRAmericansRwithRDisabilitiesRAct.
TheRAgeRDiscriminationRActRofR1975R-RCORRECTRANSWERR-
ProhibitsRdiscriminationRonRtheRbasisRofRageRinRprogramsRandRactivitiesRreceivingRfederalRfinancialRassistan
ce
TitleR9RofRtheREducationRAmendmentsRofR1972R-RCORRECTRANSWERR-
barsReducationalRinstitutionsRorRactivitiesRthatRreceiveRfederalRfundsRfromRdiscriminatingRagainstRpersonsR
onRtheRbasisRofRsex
HousingRCounselorR-RCORRECTRANSWERR-
aRprofessionalRwhoRisRHUDRcertifiedRtoRprovideRadviceRandRguidanceRtoRindividualsRandRhouseholdsRtoRassi
WITH CORRECT ANSWERS 2025
CreditRReportR-RCORRECTRANSWERR-
aRcompilationRofRdataRaboutRyouRthatRhasRbeenRgatheredRbyRcreditRreportingRagenciesRorR"creditRbureaus"
LengthRofRCreditRHistoryR-RCORRECTRANSWERR-MakesRupR15%RofRFICORscore
TypeR-RCORRECTRANSWERR-__RofRcreditRuseRmakesRupR10%RofRFICORscore
NewRCreditRorRInquiriesR-RCORRECTRANSWERR-MakesRupR10%RofRFICORscore
AmountsROwedR-RCORRECTRANSWERR-MakesRupR30%RofRFICORscore
PaymentRHistoryR-RCORRECTRANSWERR-MakesRupR35%RofRFICORscore
FairRCreditRReportingRActR(FCRA)R-RCORRECTRANSWERR-
actRthatRprotectsRprivacyRofRbackgroundRinformationRandRensuresRthatRinformationRsuppliedRisRaccurateRin
RtheRfilesRofRtheRnation'sRcreditRreportingRcompanies
ResidentialRMortgageRCreditRReportR-RCORRECTRANSWERR-
aRcreditRreportRcontainingRinformationRfromRallRthreeRcreditRbureausRandRisRusedRtoRdetermineRcreditRwort
hinessRthereforeRisRfullRverifiedRwhenRaRcustomerRappliesRforRaRloanRandRitRwillRaffectRtheRcreditRscore
NegativeRAmortizationR-RCORRECTRANSWERR-
whenRtheRloanRprincipalRincreasesRoverRtimeRevenRthoughRyouRareRmakingRpayments
BalloonRPaymentR-RCORRECTRANSWERR-
aRfinalRloanRpaymentRthatRisRmuchRlargerRthanRtheRregularRmonthlyRpayments
PITIR-RCORRECTRANSWERR-Principal,RInterest,RTaxes,RInsurance
, 4RC'sRofRCreditR-RCORRECTRANSWERR-Capacity,RCapital,RCharacter,RCollateral
ChapterR7RBankruptcyR-RCORRECTRANSWERR-
StraightRBankruptcy;RmostRcommonRformRforRindividuals;RtypicallyRusedRbyRpeopleRwhoRhaveRnoRhopeRofRr
epayingRtheirRdebt;
TruthRinRLendingRActR(TILA)R-RCORRECTRANSWERR-
RequiresRlendersRtoRprovideRconsumersRwithRloanRcostRinformationRsoRthatRtheyRcanRcomparisonRshopR(toR
protectRconsumersRagainstRinaccurateRandRunfairRloanRbillingRandRcreditRcardRpractices)
TitleR6RofRtheRCivilRRightsRActRofR1964R-RCORRECTRANSWERR-
noRpersonRinRtheRunitedRstatesRshall,RonRtheRgroundRofRrace,Rcolor,RorRnationalRorigin,RbeRexcludedRfromRpa
rticipationRin,RbeRdeniedRtheRbenefitsRof,RorRbeRsubjectedRtoRdiscriminationRunderRanyRprogramRorRactivityR
receivingRfederalRfinancialRassistance.
TitleR8RofRtheRCivilRRightsRActRofR1968R-RCORRECTRANSWERR-
TheRFairRHousingRAct;RExecutiveROrderR11063R(ThisROrderRsignedRbyRJFKRonRNov.R20,R1962,R"prohibitsRdiscr
iminationRinRtheRsale,Rleasing,Rrental,RorRotherRdispositionRofRpropertiesRandRfacilitiesRownedRorRoperatedR
byRtheRfederalRgovernmentRorRprovidedRwithRfederalRfunds."RThisRorderRbannedRsegregationRfederallyRfun
dedRhousing.)
SectionR504RofRtheRRehabilitationRActRofR1973R-RCORRECTRANSWERR-
ExtendsRcivilRrightsRtoRpeopleRwithRdisabilities;RtheRfirstRdisabilityRcivilRrightsRlawRtoRbeRenactedRinRtheRU.S;R
setRtheRstageRforRtheRAmericansRwithRDisabilitiesRAct.
TheRAgeRDiscriminationRActRofR1975R-RCORRECTRANSWERR-
ProhibitsRdiscriminationRonRtheRbasisRofRageRinRprogramsRandRactivitiesRreceivingRfederalRfinancialRassistan
ce
TitleR9RofRtheREducationRAmendmentsRofR1972R-RCORRECTRANSWERR-
barsReducationalRinstitutionsRorRactivitiesRthatRreceiveRfederalRfundsRfromRdiscriminatingRagainstRpersonsR
onRtheRbasisRofRsex
HousingRCounselorR-RCORRECTRANSWERR-
aRprofessionalRwhoRisRHUDRcertifiedRtoRprovideRadviceRandRguidanceRtoRindividualsRandRhouseholdsRtoRassi
