Creditworthy

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Publisher : Columbia University Press
ISBN 13 : 0231544626
Total Pages : 393 pages
Book Rating : 4.2/5 (315 download)

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Book Synopsis Creditworthy by : Josh Lauer

Download or read book Creditworthy written by Josh Lauer and published by Columbia University Press. This book was released on 2017-07-25 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.

Credit, Consumers and the Law

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Author :
Publisher : Routledge
ISBN 13 : 1317158075
Total Pages : 312 pages
Book Rating : 4.3/5 (171 download)

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Book Synopsis Credit, Consumers and the Law by : Karen Fairweather

Download or read book Credit, Consumers and the Law written by Karen Fairweather and published by Routledge. This book was released on 2016-10-14 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer law, particularly consumer credit law, is characterised by increasingly complex regulation in Western economies. Reacting to the Global Financial Crisis, governments in the UK, the EU, Australia, New Zealand and the United States have adopted new laws dealing with consumer credit, responsible lending, consumer guarantees and unfair contracts. Drawing together authors from all of these jurisdictions, this book analyses and evaluates these initiatives, and makes predictions as to their likely success and possible flaws.

48 Laws of Credit

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Author :
Publisher : CreateSpace
ISBN 13 : 9781482562910
Total Pages : 124 pages
Book Rating : 4.5/5 (629 download)

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Book Synopsis 48 Laws of Credit by : K. B. Prince III

Download or read book 48 Laws of Credit written by K. B. Prince III and published by CreateSpace. This book was released on 2013-02-18 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn information the credit bureaus won't tell you! This may be the best book ever written on credit education. * Secret strategies on how to raise your credit score and always get approved for credit. * Clean up your credit and eliminate the need for bankruptcy * Never pay a credit repair company hundreds of dollars to fix your credit and have the knowledge to do it yourself for a lifetime K.B. Prince III is a credit advisor who helps people to evaluate their credit report and obtain higher scores. He is also a former employee at a major credit bureau. He has experience in working in the debt collections industry as well as in the car sales industry, which has given him inside information on creditors and credit ratings. He has reviewed and assisted people with over 50,000 credit reports and scores, making him one of the most knowledgeable credit experts in the United States. Good credit can make a difference in many situations. Unless you have the knowledge, the experience and management skills in credit repair, you will have situations where you will not know what to do. This book will prepare you for any situation, no matter what your walk in life. Use this knowledge as a weapon, because you have the right to have good credit and achieve your dreams. This book will serve as a torch for you in your efforts of fighting for good credit. It will enable you to have, not only good credit, but also perfect credit. You will be able to walk into any bank or lending institution with your head up high. Learn information the credit bureaus won't tell you! This may be the best book ever written on credit education. * Secret strategies on how to raise your credit score and always get approved for credit. * Clean up your credit and eliminate the need for bankruptcy * Never pay a credit repair company hundreds of dollars to fix your credit and have the knowledge to do it yourself for a lifetime Good credit can make a difference in a lot of situations. Useless you have the knowledge, the experience and management skill in credit repair, you will have situations where you will not know what to do. Credit repair takes knowledge and skill. This book will prepare you for any situation, no matter what your walk of life. Use it as a weapon, because you have the right to have good credit and achieve your dreams and flourish in life-that's what this book will help provide for you. This book will also serve as a torch for you in your efforts of fighting for good credit. It will enable you to have, not only good credit, but also perfect credit. This book is the most important step you will take to enable you to shine bright and walk into any bank or lending institution with your head up high. K.B. Prince is a credit advisor who helps people to evaluate their credit report and obtain higher scores. He is also a former employee at a major credit bureau. He has experience in working in the debt collections industry as well as experience in the car sales industry, which has given him inside information on creditors and credit ratings. He has reviewed and assisted people with over 50,000 credit reports and scores, making him one of the most knowledgeable credit experts

United States Code

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Publisher :
ISBN 13 :
Total Pages : 1506 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis United States Code by : United States

Download or read book United States Code written by United States and published by . This book was released on 2013 with total page 1506 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The United States Code is the official codification of the general and permanent laws of the United States of America. The Code was first published in 1926, and a new edition of the code has been published every six years since 1934. The 2012 edition of the Code incorporates laws enacted through the One Hundred Twelfth Congress, Second Session, the last of which was signed by the President on January 15, 2013. It does not include laws of the One Hundred Thirteenth Congress, First Session, enacted between January 2, 2013, the date it convened, and January 15, 2013. By statutory authority this edition may be cited "U.S.C. 2012 ed." As adopted in 1926, the Code established prima facie the general and permanent laws of the United States. The underlying statutes reprinted in the Code remained in effect and controlled over the Code in case of any discrepancy. In 1947, Congress began enacting individual titles of the Code into positive law. When a title is enacted into positive law, the underlying statutes are repealed and the title then becomes legal evidence of the law. Currently, 26 of the 51 titles in the Code have been so enacted. These are identified in the table of titles near the beginning of each volume. The Law Revision Counsel of the House of Representatives continues to prepare legislation pursuant to 2 U.S.C. 285b to enact the remainder of the Code, on a title-by-title basis, into positive law. The 2012 edition of the Code was prepared and published under the supervision of Ralph V. Seep, Law Revision Counsel. Grateful acknowledgment is made of the contributions by all who helped in this work, particularly the staffs of the Office of the Law Revision Counsel and the Government Printing Office"--Preface.

Consumer Financial Services Answer Book (2015 Edition)

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Author :
Publisher :
ISBN 13 : 9781402422614
Total Pages : 1222 pages
Book Rating : 4.4/5 (226 download)

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Book Synopsis Consumer Financial Services Answer Book (2015 Edition) by : Richard E. Gottlieb

Download or read book Consumer Financial Services Answer Book (2015 Edition) written by Richard E. Gottlieb and published by . This book was released on 2014 with total page 1222 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Credit Nation

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Publisher : Princeton University Press
ISBN 13 : 0691241724
Total Pages : 248 pages
Book Rating : 4.6/5 (912 download)

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Book Synopsis Credit Nation by : Claire Priest

Download or read book Credit Nation written by Claire Priest and published by Princeton University Press. This book was released on 2022-12-20 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: How American colonists laid the foundations of American capitalism with an economy built on credit Even before the United States became a country, laws prioritizing access to credit set colonial America apart from the rest of the world. Credit Nation examines how the drive to expand credit shaped property laws and legal institutions in the colonial and founding eras of the republic. In this major new history of early America, Claire Priest describes how the British Parliament departed from the customary ways that English law protected land and inheritance, enacting laws for the colonies that privileged creditors by defining land and slaves as commodities available to satisfy debts. Colonial governments, in turn, created local legal institutions that enabled people to further leverage their assets to obtain credit. Priest shows how loans backed with slaves as property fueled slavery from the colonial era through the Civil War, and that increased access to credit was key to the explosive growth of capitalism in nineteenth-century America. Credit Nation presents a new vision of American economic history, one where credit markets and liquidity were prioritized from the outset, where property rights and slaves became commodities for creditors' claims, and where legal institutions played a critical role in the Stamp Act crisis and other political episodes of the founding period.

Surviving Debt

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Publisher :
ISBN 13 : 9781602482104
Total Pages : 0 pages
Book Rating : 4.4/5 (821 download)

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Book Synopsis Surviving Debt by :

Download or read book Surviving Debt written by and published by . This book was released on 2024 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Model Rules of Professional Conduct

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Publisher : American Bar Association
ISBN 13 : 9781590318737
Total Pages : 216 pages
Book Rating : 4.3/5 (187 download)

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Book Synopsis Model Rules of Professional Conduct by : American Bar Association. House of Delegates

Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Your Money, Your Goals

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Author :
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781508906827
Total Pages : 0 pages
Book Rating : 4.9/5 (68 download)

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Book Synopsis Your Money, Your Goals by : Consumer Financial Consumer Financial Protection Bureau

Download or read book Your Money, Your Goals written by Consumer Financial Consumer Financial Protection Bureau and published by Createspace Independent Publishing Platform. This book was released on 2015-03-18 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.

The Federal Wage Garnishment Law

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Publisher :
ISBN 13 :
Total Pages : 16 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis The Federal Wage Garnishment Law by : United States. Employment Standards Administration. Wage and Hour Division

Download or read book The Federal Wage Garnishment Law written by United States. Employment Standards Administration. Wage and Hour Division and published by . This book was released on 1978 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Riegle Community Development and Regulatory Improvement Act of 1994

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Publisher :
ISBN 13 :
Total Pages : 136 pages
Book Rating : 4.3/5 (121 download)

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Book Synopsis Riegle Community Development and Regulatory Improvement Act of 1994 by : United States

Download or read book Riegle Community Development and Regulatory Improvement Act of 1994 written by United States and published by . This book was released on 1994 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Unbreakable Laws of Business Credit

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Publisher :
ISBN 13 : 9780976720812
Total Pages : 138 pages
Book Rating : 4.7/5 (28 download)

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Book Synopsis Unbreakable Laws of Business Credit by : Corey P. Smith

Download or read book Unbreakable Laws of Business Credit written by Corey P. Smith and published by . This book was released on 2017-11-13 with total page 138 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Unbreakable Laws of Business Credit is an entrepreneurs guide to establishing any corporate structure and build great business credit at the same time. It reveals how to accumulate start up capital for any business without using a personal guarantee and step by step instructions on applying for corporate credit cards. Learn some of the secrets about using, buying and establishing Shelf Corporation.

Finance Code

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Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (659 download)

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Book Synopsis Finance Code by :

Download or read book Finance Code written by and published by . This book was released on 1997 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Business and Commerce Code

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Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (68 download)

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Book Synopsis Business and Commerce Code by : Texas

Download or read book Business and Commerce Code written by Texas and published by . This book was released on 1968 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

How to Make Your Credit Card Rights Work for You

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Author :
Publisher : Xlibris Corporation
ISBN 13 : 1469169436
Total Pages : 308 pages
Book Rating : 4.4/5 (691 download)

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Book Synopsis How to Make Your Credit Card Rights Work for You by : Franshone Winn Esq

Download or read book How to Make Your Credit Card Rights Work for You written by Franshone Winn Esq and published by Xlibris Corporation. This book was released on 2012-03-09 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to Use Your Credit Card Rights Work For You is a clear, concise, and comprehensive guide of credit card rights and how to use them. The book is a must read for credit card holders of all ages and also those who are applying for a credit card. The book explains your rights when you apply for a credit card, when you have a credit card, and when you have a dispute with the credit card issuer. The book also explains what to do when you feel your credit card rights are Violated. Readers of this book will know how to use their credit card rights to save money and reduce debt.

Renters' Rights

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Publisher : Nolo
ISBN 13 : 1413331432
Total Pages : 337 pages
Book Rating : 4.4/5 (133 download)

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Book Synopsis Renters' Rights by : Janet Portman

Download or read book Renters' Rights written by Janet Portman and published by Nolo. This book was released on 2024-01-30 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book on renter and tenant rights is packed with critical legal and practical information on topics such as negotiating a lease or rental agreement, breaking a lease and leaving early, handling unwelcome landlord intrusions, getting a landlord to make repairs, collecting a full security deposit after moving out, fighting discrimination or retaliation, and more"--

Improove Your Credit Health

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Author :
Publisher : Notion Press
ISBN 13 :
Total Pages : 195 pages
Book Rating : 4.8/5 (88 download)

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Book Synopsis Improove Your Credit Health by : Apurva Bhagat

Download or read book Improove Your Credit Health written by Apurva Bhagat and published by Notion Press. This book was released on 2022-10-19 with total page 195 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book is an extended version of the first book, “The Indian Credit Reporting System” aiming to provide in-depth knowledge on how to handle credit repair when you have identified errors in your credit report. The book unveils some of the key points on: • The gist of credit repair • Process and strategy to repair credit report • Strategies while dealing with collection agents • In-depth understanding of credit rebuilding process • The scope of the credit repair business • The Credit Information Companies Act 2005 with amendments • The Reserve Bank of India circulars on credit information companies