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Wise 141-160

epf terms

TermDefinition
Credit history A record of a borrower's responsible repayment of debts.
Credit rating An assessment of the creditworthiness of a borrower, typically represented as a score.
Credit report A detailed report of an individual's credit history prepared by a credit bureau.
Credit reporting agency An organization that collects and maintains consumer credit information.
Credit score A numerical expression based on a level analysis of a person's credit files.
Credit risk The risk of loss due to a borrower's failure to repay a loan or meet contractual obligations.
Debtors anonymous A support group for individuals struggling with compulsive debting.
Default Failure to fulfill the obligations of a loan or credit agreement.
Due date The date by which a payment must be made.
Finance charge The total cost of borrowing, including interest and any fees.
Fixed interest rate An interest rate that remains the same for the entire term of the loan.
Fixed rate of interest A rate that does not change over the life of the loan.
Foreclosure The legal process by which a lender takes possession of a property when the borrower defaults on a loan.
Garnishment A legal process that allows a lender to take money directly from a borrower's wages.
Grace period A time period after the due date during which a payment can be made without penalty.
Home equity loans Loans that use the borrower's home equity as collateral.
Identity theft The unauthorized use of someone else's personal information for financial gain.
Installment loans/credit Loans that are repaid over time with a set number of scheduled payments.
Interest [APR] The annual percentage rate that reflects the cost of borrowing.
Late fee A charge imposed for not making a payment by the due date.
Created by: moonpool13
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