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The date that a public
record was awarded.
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On the credit report,
date the creditor last reported information about this account.
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On the credit report,
indicates the date an account was opened.
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The completion date of
satisfaction date or a public record item.
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Accounts classified into
categories according to the time past due. Common classifications
are 30, 60, 90 and 120 days past due. Special classifications also
include charge-off, repossession, transferred, etc.
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Names and addresses of
consumers are obtained from a credit bureau based on a number of
criteria requested by a store or company. Then the consumer receives
a mailing, generally offering a product or service. Catalogs are the
largest users of direct marketing.
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Granted by the court to
release a debtor from most of his debts that were included in a
bankruptcy. Any debts not included in the bankruptcy, alimony, child
support, liability for willful and malicious conduct and certain
student loans cannot be discharged.
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When a consumer files a
bankruptcy, the judge may decide to not allow the consumer to
continue with the bankruptcy. If the judge rules against the
petition, the bankruptcy is known as dismissed.
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Giving the consumer the
nature and substance of what is in his or her credit report as
outlined by the FCRA.
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