A denial or revocation of credit
Any written, oral, or other communication of information by a CRA that among other things, bears on a consumer’s creditworthiness
A numerical value used by a person who makes a loan to predict the likelihood of certain credit behaviors
A person who in the ordinary course of business regularly participates in a credit decision
An entity that furnishes information relating to consumers to one or more CRAs for inclusion in a credit report
This type of a consumer report contains information as to a consumer’s character, among other things
One example of this is the written request of the consumer
This type of information may be used by a creditor to the extent that it is no less favorably used that comparable information
This type of opt-out allows consumers to restrict any entity that it does not have a pre-existing business relationship from using information obtained from affiliates to market to it.
The process where financial institutions obtain and use a consumer report in connection with a credit transaction that the consumer does not initiate to make a firm offer of credit
The information a furnisher provides to a consumer reporting agency correctly reflects the terms of and liability for the account relationship
Information provided is substantiated by the furnishers records and done so in a manner that reduces the likelihood that the information is incorrect
A dispute that is submitted by a consumer directly to a furnisher concerning the accuracy of the information in a consumer account.
One of two types of direct disputes that are not required to be investigated by a furnisher
The notice of negative information notice must be furnished this number of days after reporting the negative information.
An obligation of a consumer to pay money
An entity that regularly attempts to consumer debts for another
This type of notice provides consumers with certain basic information about each debt that the debt collector attempts to collect
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