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| | EH.Net Encyclopedia: Credit in the Colonial American Economy |
 | | Direct comparisons of the number of credit purchases versus barter or cash are not possible, but an examination of accounting records demonstrates credit's widespread use. | | | The frequency of credit versus barter and cash is not well quantified because surviving account books and transaction records generally only report cash or goods payments made after the merchant allowed credit, not spot cash or barter transactions (Baxter, 19n). | | | Understanding the role of credit in the eighteenth century requires a brief discussion of all payment options as well as the nature of the repayment of credit. |
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http://www.eh.net/encyclopedia/?article=flynn.colonialcredit
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| | Credit Scoring |
| | You may not even know that you have a credit score, but you do -- and it's used by credit card companies, home equity lenders, auto loan lenders, and finance companies when you apply for credit or a loan. | | | You may now obtain your credit score from credit bureaus that develop or distribute credit scores by paying a fee (the Federal Trade Commission will set the fee). | | | Also, some lenders use your credit score and other information to set the "price" for your loan. |
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http://www.nolo.com/encyclopedia/articles/dc/credit_scoring.html
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| | LII: Law about...Consumer Credit |
| | Credit allows consumers to finance transactions without having to pay the full cost of the merchandise at the time of the transaction. | | | It purpose is to protect consumers obtaining credit to finance their transactions, ensure that adequate credit is provided, and govern the credit industry in general. | | | A common form of consumer credit is a credit card account issued by a financial institution. |
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http://www.law.cornell.edu/topics/consumer_credit.html
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| | Frugal Japan - Encyclopedia - Japanese Credit Cards |
| | The credit costs of sending money home to pay your bill, regardless of how you do it, should also be considered. | | | Revolving credit is the type of credit that US-type visa cards, shopping cards, and other branded cards use: you pay a set minimum monthly payment, and your total balance of credit is charged interest. | | | These companies are not banks or credit card companies per se: they operate in short-term, high interest (as high as 26-28%) no-collateral loans. |
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http://www.frugaljapan.com/encyclopedia/creditcards.html
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| | Credit |
| | If you've never used credit and are considering doing so, consider opening a checking or savings account in your name; acquire a credit card in your name; or establish a pre-arranged credit line with your bank. | | | A collection agency can contact a credit reporting bureau about the debt, but if you have disputed the debt in writing that must be included in the report. | | | For example, the creditor must tell you whether the denial was because you have "no credit file" with the credit reporting agency, or because the agency says you have "delinquent obligations." This law requires creditors to consider, upon request, additional information you might supply about your credit history. |
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http://www.atg.wa.gov/consumer/credit.shtml
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| | Credit - Wikipedia, the free encyclopedia |
| | In accounting, credit refers to the type of book-keeping entry that mirrors debits; see double-entry book-keeping. | | | The term credit can have several meanings in different contexts. | | | Look up Credit on Wiktionary, the free dictionary |
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http://en.wikipedia.org/wiki/Credit
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| | Glossary of Credit Terms |
| | A credit account in which the amount of the payment and the number of payments are predetermined or fixed. | | | Record of how a consumer has paid credit accounts in the past, used as a guide to determine whether the consumer is likely to pay accounts on time in the future. | | | A credit card secured by a savings account that has been established in advance by the borrower. |
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http://www.mindspring.com/~mdeeb/equifax/cc/faqs/glossary.html
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| | Credit Card |
| | The service providers validate credit card numbers and expiration dates, obtain authorization from the credit card issuers and issue confirmation numbers to taxpayers at the end of the payment transaction. | | | The Taxpayer Relief Act of 1997 authorizes the Treasury to accept credit card payments for federal taxes but prohibits the IRS from paying a fee or consideration to credit card companies for processing these transactions. | | | The integrated e-file and e-pay credit card option is available through a number of tax preparation software products and tax professionals. |
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http://www.irs.gov/efile/article/0,,id=101316,00.html
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| | Introduction To Credit - InvestorGuide University |
| | Your credit is one if the most important aspects of your personal finances. | | | On the other hand, if you are not a good credit risk, you may not be able to borrow when you need to, or you might be able to borrow but only at a very high interest rate. | | | You're probably already familiar with the concept of "credit," the idea that if you build up a reputation for paying bills and debts on time, you'll be better able to borrow money in the future. |
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http://www.investorguide.com/igup1-introduction-to-credit.htm
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| | Credit Counselors - All Debt Management Companies are not created equal! |
| | Whereas credit counseling organizations offer to negotiate reduced interest rates and re-aging of accounts with creditors, settlement attorneys offer to negotiate with their client's creditors to reduce the principle balances of their accounts. | | | In their advertising, they state that a person's credit report will suffer if he or she goes on a Debt Management Plan offered by a credit counseling agency. | | | Bankruptcies remain on a credit report for 7 to 10 years, depending on which chapter is filed. |
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http://www.credit-counselors.cc/our_services/comparison.asp
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| | Bad Credit Loans - Credit Cards - Personal Loans - Bad Credit Personal Loans |
| | If you are in need of a loan but have bad credit, visit the bad credit personal loans section and apply for bad credit personal loans, loans for people with bad credit, high risk loans, poor credit personal loans. | | | Apply for a bad credit credit card, bad debt credit card, credit card for people with bad credit, unsecured credit card for bad credit and other types of credit cards for individuals with bad credit. | | | Eliminating credit card debt is one of the primary concerns of Americans today because credit card debt is the easiest type of debt for Americans to fall victim to. |
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http://www.creditlovers.com
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| | US CODE: Title 15,1681. Congressional findings and statement of purpose |
| | Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. | | | credit standing, credit capacity, character, and general reputation of consumers. | | | (1) The banking system is dependent upon fair and accurate credit reporting. |
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http://www4.law.cornell.edu/uscode/15/1681.html
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| | Social Credit on Encyclopedia.com |
| | SCF is helping to improve household resources through income generation schemes and credit networks for poor rural families. | | | Half credit: Bush's Social Security plan--that is, non-plan--just gets more and more unpopular. |
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http://www.encyclopedia.com/html/S/SocialC1r.asp
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| | Credit Cards - Finance |
| | In the financial sense of the term, credit refers to an amount of debt or loan created by a lender and given to a consumer in order to help make certain purchases or to establish a personal fiscal history. | | | For example, a no-limit credit card may be a great option when you're in the start-up mode or are trying to expand your business. | | | It would be nearly impossible for the average homeowner to obtain a mortgage were it not for credit extended by lenders to help make such significant purchases. |
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http://creditcards.articleinsider.com
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| | Consumer Action - Credit Publications [English] |
| | Topics include damaged credit, credit reports, mistakes on your credit report, credit repair offers, debt consolidation, co-signing loans, secured credit cards, credit counseling, bankruptcy and how to keep your good credit. | | | A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem. | | | Also describes credit ratings, credit bureaus, and the importance of consumers periodically reviewing a copy of their credit report for accuracy. |
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http://www.consumer-action.org/English/library/credit/index.php
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| | Your Credit Record: A Report Card on Your Personal Finances |
| | Important: Even a modest improvement in your credit file and credit score—which can sometimes result from simple corrections to incomplete or erroneous information in your credit report—may be enough to qualify you for a lower interest rate on a mortgage or credit card and save you hundreds of dollars each year in interest payments. | | | Because, in general, the better your credit history and credit score, the better your chances of obtaining a low-cost loan or insurance policy, renting an apartment, or qualifying for a job. | | | We're referring to credit reports, which summarize your history of paying debts and other bills, and credit scores, which predict risk. |
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http://www.pueblo.gsa.gov/cic_text/money/crerptcard/crerptcard.htm
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| | Computation credit |
| | The granted credit that you receive may be different from the claimed credit, and there may be a delay of a few hours or days before it is granted. | | | BOINC updates 'recent average credit' (RAC) only when new credit is granted. | | | Each time new credit is granted, the following function is used to update the recent average credit of the host, user and team: |
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http://boinc.berkeley.edu/credit.php
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| | Credit reports and repair secrets |
| | Credit ratings determine whether or not you get your loan, your credit card, your car or a bank account. | | | Credit files are extremely important to your credit ratings. | | | This site gives you all the information you ever wanted to know on bankruptcy, credit bureaus, banks loans, credit carding and credit fix. |
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http://www.credit-knowledge.com
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| | Art of Credit - the credit information authority |
| | What is being reported to the credit bureaus determines the cost of your future credit. | | | Employers and insurance companies can also access and use your credit report as a way of determining whether or not to hire you or to approve you for an insurance policy, and at what rate. | | | Managing your credit is vital to your financial future. |
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http://www.artofcredit.com
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| | ADA IRS Tax Credit Information |
| | The tax credit is available to businesses that have total revenues of $1,000,000 or less in the previous tax year or 30 or fewer full-time employees. | | | This credit can cover 50% of the eligible access expenditures in a year up to $10,250 (maximum credit of $5000). | | | To assist businesses with complying with the ADA, Section 44 of the IRS Code allows a tax credit for small businesses and Section 190 of the IRS Code allows a tax deduction for all businesses. |
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http://www.usdoj.gov/crt/ada/taxcred.htm
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| | The Credit Providers Network - Find all your credit needs from on-line credit providers. |
| | CreditProvider is specialized in helping consumers with past credit problems, or no credit history, obtain credit for on-line purchases. | | | The goal of CreditProvider is to help people with credit problems, or lack of credit history, obtain credit cards, auto, home, and student loans. | | | Therefore, we are committed to becoming the bridge between credit card companies, retailers and on-line consumers. |
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http://www.credit.providers.net
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| | Credit and Collection Internet Resource Magazine - CreditGuru.com - Home Page |
| | Laws that apply to the Cost of Credit, the Application for Credit, Equal Credit Opportunity Act, Credit Record and Histories and more. | | | Credit Guru would like to survey the credit professional to see how credit limits are being set. | | | These Links are to credit, legal, bankruptcy and collection related web sites on the web.Visit the Links page to tap into these credit resources. |
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http://www.creditguru.com
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| | Consumer Credit Counseling and Debt Consolidation |
| | American Consumer Credit Counseling is dedicated to providing consumers with financial resources to help better manage their personal finances. | | | American Consumer Credit Counseling's confidential debt management program is individually designed to provide consumers with a unique solution for their financial situation. | | | As one of the nation’s leading providers of education and credit counseling, ACCC works with consumers to help them reduce their debt and regain financial stability. |
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http://www.consumercredit.com
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| | Give Credit Where Credit is Due! |
| | Times have changed and so should the Give Credit message, the message conveyed by Cathy: "Give Credit Where Credit is Due...on the SAME Page". | | | Back in 1998 and just up to a year or two ago, the problem was that those who were kind enough to give credit, were lumping their credit on one page, which would: | | | Welcome the the ravamped Give Credit site, for 2004. |
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http://www.give-credit.com
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| | Credit Line Financial |
| | Since 1990, Credit Line Financial has provided Financial Fitness Programs that are designed to achieve your financial goals, whether your goal is to buy or refinance a home, buy a car or just to attain a certain credit score. | | | We keep you up to date on your credit progress and there is always a client manager available to answer your questions. | | | We review each individual credit report in order to recommend the program that fits your credit score needs. |
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http://www.creditline.org
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| | Wells Fargo Credit Center |
| | By knowing your credit report and score, you can improve the terms of future loans as well as your long-term financial health. | | | Used wisely, loans and lines of credit can help you reach your goals, like buying a home or growing your business. | | | And a good credit history can open a world of financial opportunity. |
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http://www.wellsfargo.com/credit_center
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| | iMoneyGuide : consumer information on credit and finance. |
| | Remember credit cards are just like loans -you have to pay what you owe. | | | It is important for consumers to understand their rites in relation to credit | | | Never lend your credit card to anyone because you're responsible for paying the bill. |
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http://www.imoneyguide.com
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| | TruthAboutCredit.org |
| | More than half of consumers who called their credit card company to complain about their high annual interest rates were successful in reducing those rates by an average of one-third, according to this report. | | | It also surveys the credit card or personal finance education provided by the schools to their students. | | | The report reviews recent studies of credit card usage among college students and discusses legislative attempts to deal with credit card marketing to college students. |
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http://www.truthaboutcredit.org
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| | Equifax Canada - Consumer Information Centre |
| | We will use only two terms: "credit file"- to refer to the active file that is in Equifax's database about a consumer, and "credit report", which is a copy of that file that we provide to a consumer. | | | You have access to the information that lenders see in your credit report. | | | Since 1899, Equifax has provided reliable credit information in a way that has earned the trust and confidence of consumers and businesses. |
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http://www.equifax.com/EFX_Canada/consumer_information_centre/ownreport_e.html
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| | Credit Guide |
| | While early credit cards usually required payment in full in less than 90 days, bankers saw other income possibilities. | | | According to November 1998 Federal Reserve Board statistics, the total American credit card debt exceeded $550 Billion. | | | Credit-Guide.Net help consumer understand the complex world of credit and other related financial field. |
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http://www.credit-guide.net
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| | Free Credit Report, Refinance Mortgage, Mortgage Loan |
| | Free credit report.com is an online distributor of credit reports. | | | You shouldnât feel that their your credit is... | | | The credit card debt elimination problem has plagued consumers for years and it seems to be getting... |
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http://www.spendonlife.com
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| | Free Credit Report at Consumer Info: Credit Report, Experian, Credit Check, Identity Theft |
| | The information on your credit report comes from Experian, a national credit bureau, so you can see the information lenders see when they check your credit. | | | See your updated credit report anytime with your paid membership and add on your credit score with a detailed explanation. | | | We monitor your credit report daily and notify you about potential fraudulent activity, new inquiries, new accounts, late payments, and more so you can spot possible signs of identity theft. |
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http://www.consumerinfo.com
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| | Credit Repair - GET RESULTS |
| | Fix bad credit with all of the major credit reporting agencies. | | | Visit the Realtor.com® Credit Center to find the information you need to understand your credit - find helpful articles and get your own personal and free credit report online or by mail. | | | We repair bad credit and improve credit scores. |
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http://e-credit-repair.netfirms.com
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| | Credit Counselors, Consumer Counseling Agency, Debt Management |
| | When you contact Credit Counselors, you are usually ready to accept help in managing your finances. | | | During the free initial counseling session, all financial information, including credit cards, is evaluated to obtain an accurate assessment of your specific financial circumstances. | | | NFCC members, often known as Consumer Credit Counseling Service (CCCS), can be identified by the NFCC member seal. |
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http://www.credit-counselors.cc/index.asp
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| | checkmyfile.com - Credit reference, Credit file, Credit score |
| | Each agency provides a different set of data types online to us and to its customers, so your credit standing can be very different depending on which agency a lender chooses to use. | | | I understood from [competitor online credit file site] that this is the site that has the necessary dispute form on it. | | | This is the service you need if you want to improve your credit standing, or find out why you have been declined credit. |
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http://www.checkmyfile.com/guest/creditfile.asp?ref=DGM
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| | Mortgage rates, home loans, CD rates, auto loans, credit cards, mortgages and more |
| | Loans or lines of credit are easy as 1, 2, 3: Compare, shop, save. | | | Mortgage rates, home loans, CD rates, auto loans, credit cards, mortgages and more | | | Credit Cards: Compare rates, Credit card basics, Calculators, Glossary, Graph trends, Credit unions, Story archive, More… |
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http://www.bankrate.com
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| | Welcome to Credit-Link - Leading Credit Service Provider |
| | Credit Link offers a wide range of products and services to assist you and your borrower through the loan process. | | | Welcome to Credit Link, a leading provider of credit information. | | | We serve residential loan providers through our continued efforts in maintaining and providing the highest levels of customer service and diversified credit products. |
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http://www.credit-link.com
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| | Credit Card Menu |
| | When you are ready, click on the "apply online" link next to the product you selected and submit a credit card application in seconds through the issuer's secure application form. | | | Our site helps you compare credit cards and select the one that fits your needs. | | | Additionally, you can sign up for our monthly mailing list offering credit card tips and site news. |
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http://www.creditcardmenu.com
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| | Freddie Mac CreditSmart |
| | The more you know about credit, the better position you will be in to take advantage of the benefits of good credit. | | | CreditSmart has been designed to help you obtain the knowledge and skills necessary to manage your finances and positively impact your credit. | | | Are you protecting your good credit, or are you working on building better credit? |
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http://www.freddiemac.com/creditsmart/home.html
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| | Credit-Repair Service |
| | Step 1: We'll assist you in obtaining copies of your credit reports from all three of the major credit bureaus. | | | We'll repair your credit report by removing inaccurate, misleading, or unverifiable information. | | | Call or e-mail us to obtain an initial free evaluation on what we may be able to do to repair your credit. |
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http://www.credit-repairservice.com
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| | Identity Theft - Get free tips, tools and information |
| | Free credit reports are now available to everyone in the U.S. Get your free credit report. | | | Includes a 3-in-1 credit report, all 3 credit scores, $20,000 identity theft insurance, and fraud resource specialists. | | | If you think you might be a victim, or just want to tighten up the security of your credit, you can tell the major credit bureaus to place a "fraud alert" on your credit file. |
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http://www.fightidentitytheft.com
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| | The FTC's web site on Credit |
| | This site has information for you, whether you’re shopping for a mortgage or auto loan, checking the accuracy of your credit report, dealing with debt collectors, or looking for ways to protect your personal financial information. | | | Almost every day, you're involved in some type of financial transaction requiring an educated decision. | | | New Law Promotes Access to Free Credit Reports |
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http://www.ftc.gov/bcp/conline/edcams/credit
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| | America's Credit Unions: Where people are worth more than money. |
| | Browse the links on the left to learn more about credit unions, or to find a credit union you can join. | | | America's Credit Unions: Where people are worth more than money. | | | Contact your credit union if you have additional questions. |
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http://www.creditunion.coop
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