Debt collector
A person or company hired by a creditor to collect the overdue balance on an account
Credit Bureau
A business that accumulates, stores, and sells credit information to business subscribers
Character
A responsible attitude toward living up to agreements, often judged on evidence in the person's credit history
Credit Report
A written statement of a costumer's credit history, issued by a credit bureau to its business subscribers
Capacity
The financial ability to repay a loan with present income
Credit history
A complete record of a person's borrowing and repayment performance
Discrimination
Treating people differently based on prejudice rather than individual merit
Credit rating
A measure of creditworthiness based on an analysis of the consumer's financial history