Glossary

This refers to the debt repayment terms of your agreement with a creditor, such as 60 months, 48 months, etc.

Obtaining the title of the property of another by intentional misrepresentation with intent to deprive owner of value of property…

Obtaining services without consent through deception, threat, tampering, etc.

Theft by using someone else’s information, credit card, check, or something similar.

Entry by a credit grantor to a consumer’s credit history maintained by a credit reporting agency. A tradeline describes the…

Fees charged for certain use of your credit line – for example, to get a cash advance from an ATM.

One of three national credit reporting agencies. The other two are Experian and Equifax.

A court proceeding where testimony is presented to a Judge or a jury to determine if the defendant is guilty…

Destroyed or partially destroyed. Unable to obtain any more information.

Title I of the Consumer Protection Act. Requires that most categories of lenders disclose the annual interest rate, the total…