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Credit history - Wikipedia

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Credit history

This article deals with the general concept of the term credit history. For detailed information about the same topic in the United States, see Credit score in the United States .

The examples and perspective in this article deal primarily with the United States and do not represent a worldwide view of the subject. You may improve this article , discuss the...

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Date: 2018-03-20 11:47:53

Credit score - Wikipedia

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. A credit score is primarily based on a credit report information typically sourced from credit bureaus .

Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to...

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Date: 2018-03-22 12:51:35

Fair Credit Reporting Act - Wikipedia

The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the...

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Date: 2019-03-12 18:29:46

Credit rating - Wikipedia

Default rate from study

by Moody's investment service

Another study in Journal of Finance calculated the additional interest rate or "spread" corporate bonds pay over that of "riskless" US Treasury bonds, according to the bonds' rating. (See "Basis point spread" in table to right.) Looking at rated bonds for 1973-89, the authors found a AAA-rated bond paid 43 " basis points " (or 43/100 of a...

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Date: 2019-03-13 22:42:01

Related topics : bank credit ratings s&p / s&p credit rating / credit rating scale standard and poor / moody's credit rating scale / credit rating scale fitch

Working Tax Credit - Wikipedia

Working Tax Credit (WTC) is a state benefit in the United Kingdom made to people who work and have a low income. It was introduced in April 2003 and is a means-tested benefit . Despite their name, tax credits are not to be confused with tax credits linked to a person's tax bill , because they are used to top-up wages. Unlike most other benefits, it is paid by HM Revenue and Customs (HMRC) .

WTC...

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Date: 2019-03-10 16:03:44

Related topics : new credit reporting system / credit rating uk government / free credit report 3 times a year / one credit report per year / free credit report government uk