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2. Mortgage underwriting in the United States - Wikipedia

   en.wikipedia.org/wiki/Mortgage_underwriting_in...

   Credit is what the underwriter uses to review how well a borrower manages his or her current and prior debts. Usually documented by a credit report from each of the three credit bureaus, Equifax, Transunion and Experian, the credit report provides information such as credit scores, the borrower's current and past information about credit cards, loans, collections, repossession and foreclosures ...

3. Lying on a personal loan application is a bad idea - AOL

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4. Fair Credit Reporting Act - Wikipedia

   en.wikipedia.org/wiki/Fair_Credit_Reporting_Act

   The FCRA Section 612 merely requires nationwide specialty consumer reporting agencies to establish a streamlined process for consumers to request consumer reports, which shall include, at a minimum, the establishment by each such agency of a toll-free telephone number for such consumer disclosure requests. [14]

5. Credit score in the United States - Wikipedia

   en.wikipedia.org/wiki/Credit_score_in_the_United...

   It is an inexpensive and main alternative to other forms of consumer loan underwriting. Lenders, such as banks and credit card companies, use credit scores to evaluate the risk of lending money to consumers. Lenders contend that widespread use of credit scores has made credit more widely available and less expensive for many consumers.

6. The End of Consumer Lending As You Know It Is Around ... - AOL

   www.aol.com/news/2014-02-01-the-end-of-consumer...

   Photo: Seth Anderson Payday lending is illegal in 15 U.S. states. But thanks to the Internet, almost anyone can get a high-interest consumer loan, even if it's illegal in the state in which they ...

7. Choosing a debt consolidation lender: How to find the best

   www.aol.com/finance/choosing-debt-consolidation...

   Key takeaways. Debt consolidation can be accomplished with a personal loan or credit card, depending on your needs. Competitive rates typically go to those with good to excellent credit — FICO ...

8. Mortgage industry of the United States - Wikipedia

   en.wikipedia.org/wiki/Mortgage_industry_of_the...

   This entity takes the borrower's information and reviews a number of lenders, selecting the ones that will best meet the needs of the consumer. [3] Origination is regulated by laws including the Truth in Lending Act and Real Estate Settlement Procedures Act (1974). Credit scores are often used, and these must comply with the Fair Credit ...

9. Truth in Lending Act - Wikipedia

   en.wikipedia.org/wiki/Truth_in_Lending_Act

   Truth in Lending Act; Long title: An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit; by restricting the garnishment of wages; and by creating the National Commission on Consumer Finance to study and make recommendations on the need for ...