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What Is a Credit Report?
September 10, 2003 A credit report is a report from a credit bureau containing detailed information bearing on credit-worthiness, including the individual's credit history. A typical credit report shows some personal information including social security number; current and past ... more...

Is Credit Scoring Fair to Minorities?
December 21, 1998 "I was shocked to discover recently that my credit rating, called a 'FICO score', was poor, due largely to a 90-day past-due bill that I have every year because my work is seasonal. Comes the spring I always pay the bills in full? Most of my ... more...

Personal Information related definitions

Credit Report
Credit Report A report documenting the credit history and current status of a borrower's credit standing, detailing a borrowers credit history including payment history on revolving accounts (eg. credit cards) and installment ... more...

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

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Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Protect Yourself Against Identity Theft
Identity theft is when someone uses, without permission, your personal information in order to commit any frauds or crimes. Identity theft is a felony that is becoming more and more common. That is because some of us are not very careful with personal information, making the job easier for those ... more...

Even With Credit Problems... You Can Get A Loan Within 30 Days, If You're Willing To Work At It
A wise friend once told me that *extraordinary people* are just *ordinary people* who do extraordinary things.It's the same way with loans. People that get loans after being turned down are not extraordinary people, they are ordinary people who do extraordinary things to get their loan.Here's an ... more...

Identity Theft Explained
What is identity theft?Identity theft is when someone without your permission fraudulently receives and uses your sensitive information.Is identity theft a criminal offence?Identity theft is a serious criminal offence. When someone commits an identity theft by using your name and credit record it ... more...

Identity Theft - Understanding and Preventing the Fastest Growing Crime
Identity theft is a crime that directly affected over 9.9 million people last year. Thats right, the US Postal Service reports that identity theft cost victims over $5 billion just last year. We all hear about identity theft, but what is it really? Simply put, identity theft is a crime that occurs ... more...

What You Need to Know About Credit Cards and Identity Theft
Identity theft is starting to become one of the most popular crimes in the United States. Every year people have to struggle with the problems that come when someone steals your identity. Identity theft occurs when someone uses your personal information without permission.It can effect anyone, ... more...

Phishing - Learn To Identify It
Phishing: (fish'ing) (n.)This is when someone sends you an email falsely claiming to be a legitimate business - like your bank or credit card company - in an attempt to scam you into giving them your personal, private information that they can use to access your accounts.Phishing, also referred to ... more...

What is Identity Theft?
How can someone steal your identity? Identity theft occurs when someone uses your personal information such as your name, credit card number or other identifying information, without your permission to commit fraud or other crimes.Identity theft is a serious crime. People whose identities have been ... more...

Identity Theft Protection & Prevention: Prevent ID Internet Fraud
Online identity theft is a serious crime that can clean out your life savings and leave you with a damaged credit history that may take years to repair. In the interim, obtaining loans, renting apartments, and even applying for work can become increasingly difficult. Here is what you can do ... more...

The Deal is in the Details
What Startups Need to Get a Business Loan, Part 2In part 1 of this article, entitled "Three C's", we looked at the overview of startup business loan requirements from the lender's perspective. We read how cash, good credit and sufficient collateral form a joint partnership to enable a loan request ... more...

Identity Theft Exploding: Heres How You Can Avoid Becoming A Victim
Americans are more concerned about identity theft than unemployment or corporate fraud, according to a survey of 2,000 people conducted by Star Systems.Nine out of ten Americans demand new federal legislation, while two-thirds say the financial services industry needs to do a better job of ... more...

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