Chop Your Credit!
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Welcome to the Credit Chop Shop! As a subsidiary of CMA Financial Corp, we are dedicated to providing you with a lot of good stuff!
If you have no idea what your credit score is or how you can get out of your financial bind, then cruise over here to the credit chop shop to get your credit rolling!
Posted by admin | Filed under Uncategorized
Welcome to the Credit Chop Shop! As a subsidiary of CMA Financial Corp, we are dedicated to providing you with a lot of good stuff!
Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation. Experian ®, Equifax ®, and Trans Union ® are the three largest consumer reporting agencies in the United States. To find out more visit CMA Financial Corporation at http://www.cmafinancialcorp.com/wiki. Disclaimer: Experian ®, Equifax ®, and Trans Union ® are in NO WAY affiliated with this website or CMA Financial Corporation.
“Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credit repair organizations.” Visit us at http://www.cmafinancialcorp.com to see the difference for yourself. “Lexington Law Firm” is not a “credit services organization” because it is a law firm. Law firms are not covered under the scope of the “Credit Repair Organizations Act.” “CMA Financial Corporation” however would like to consider ourselves to be your “residential credit experts” when it comes to “credi
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Phone Fraud actions from http://www.ftc.gov:
Facts for Consumers PDF Format En Español Email
Who’s Calling? Recognize & Report Phone Fraud
Recognize Phone Fraud
Every sales call you get by phone is an opportunity for a gut check: Ask yourself these questions — and if the answers give you some doubt about the caller’s intentions or methods, end the call.
Who’s calling — and why? Telemarketers must tell you it’s a sales call, the name of the seller and what they’re selling before they make their pitch. If they don’t, say “no thanks,” and get off the phone.
What’s their hurry? Fast talkers who use high pressure tactics could be hiding something. Take your time. Most legitimate businesses will give you time and written information about an offer before asking you to commit to a purchase.
If it’s free, why are they asking me to pay? Question charges you need to pay to redeem a prize or gift. Free is free. If you have to pay, it’s a purchase – not a prize or a gift.
Why am I “confirming” my account information — or giving it out at all? Some callers have your billing information before they call you. They’re trying to get you to say “okay” so they can claim you approved a charge.
What time is it? The law allows telemarketers to call only between 8 am and 9 pm. A seller calling earlier or later is flouting the law.
Do I want more calls like this one? If you don’t want a business to call you again, say so. If they call back, they’re breaking the law.
Report Phone Fraud
Recognizing fraudulent callers is important; reporting them to the appropriate law enforcement authorities is critical, too. When you report, you can help stop telephone scammers. Report telephone hucksters to the FTC and your state Attorney General so they can prosecute fraudulent telemarketers who try to steal your money.
If your number is on the National Do Not Call Registry, you should get calls only from those companies with which you do business — or those that have your permission to call. If you get calls from a company you don’t have a relationship with — or from a company you have told not to call you — report it. Jot down the name and number of the caller, and the date and time of the call.
To report phone fraud, visit FTC.gov or call 1-877-FTC-HELP.
To report violations of the National Do Not Call Registry, visit DoNotCall.gov or call 1-888-382-1222.
Your complaint is entered into the Consumer Sentinel Network, a database that is used by law enforcement agencies across the country and around the world. It can help them track down scam artists, detect patterns in their calls, find other victims, and ultimately, stop the fraud.
Register Your Number
You can limit the number of telemarketing calls you receive by placing your phone number on the National Do Not Call Registry. Once your number is registered, feel free to hang up if you get a cold call from a company with which you don’t already do business — or report it!
You can register your phone number at DoNotCall.gov, or by calling 1-888-382-1222 (TTY: 1-866-290-4236) from the number you wish to register. If you register online, you must click on the confirmation email you receive to complete your free registration.
Your registration will not expire. Your number is on the list until you take it off, or your number is disconnected and re-assigned to someone else.
Placing your number on the Registry stops most telemarketing calls, but not all. Once your number has been on the Registry for 31 days, you still may get calls from, or on behalf of:
Political organizations, charities, and pollsters
Companies with whom you have an existing business relationship
Companies you’ve given permission to call
Companies that you do business with may call for 18 months. If you ask a company for information, it may call for three months.
The Registry accepts personal cell phone and home phone numbers. Federal Communications Commission regulations prohibit the use of automated dialers to call cell phone numbers, so most telemarketers won’t cold-call consumers on their cell phones – despite urban myths and emails to the contrary.
Telemarketing fraud is a crime.
Professional criminals posing as legitimate telemarketers try to worm their way into your wallet. They are very good at what they do: their “pitch” is perfect, their tone is friendly and sincere, and their answers to your questions seem to make sense. It’s no wonder that consumers, regardless of their age, education or experience, can fall for telemarketing frauds.
By learning how to recognize and report telephone fraud, you can help stop some scams – and if you put your phone numbers on the National Do Not Call Registry, you can reduce the number of unwanted telemarketing calls you get.
Check ftc.gov/phonefraud for information about:
Buying Club Memberships
Charities and Fundraising
Credit & Loan Offers
Government Grant Scams
Identity Theft & Telemarketing
Medical Discounts Plans
Reloading Scams
Sweepstakes & Lotteries
Travel Scams
Work-at-Home & Business Opportunities
To learn more about how to recognize and report phone fraud, and how to place your phone number on the National Do Not Call Registry, go to ftc.gov/phonefraud.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
from http://www.ftc.gov
For Release: 08/18/2009
Mortgage Lender Agrees to Settle FTC Charges; Prescreened Loan Offers Lacked Proper Opt-Out Notice
A home mortgage lender that sent prescreened offers of credit to consumers without properly informing them of their right to opt out of receiving such offers in the future has agreed to settle Federal Trade Commission charges that it violated federal law. The settlement requires the company to pay a $20,000 civil penalty and bars future violations.
Prescreened offers of credit or insurance typically are mailings sent to selected consumers based on information in their credit report indicating that they meet the offering company’s criteria. The Fair Credit Reporting Act (FCRA) permits lenders or insurers to make prescreened offers if the offer clearly and conspicuously discloses that, among other things, the consumer’s credit report was used to make the offer and that the consumer can opt out of receiving such offers in the future. The FTC’s Prescreen Opt-Out Notice Rule (Prescreen Rule) requires that each written solicitation contain a short and a long notice, and it specifies the format, type size, and content in order to make the notices simple and easy for consumers to see and understand.
According to the FTC’s complaint, the company violated the FCRA and the FTC’s Prescreen Rule by not providing opt-out notices that comply with the Rule. In some instances, for example, the notices did not contain a short notice on the front page of the solicitation as required by the Rule, or the notices did not comply with the Rule’s format requirements.
The settlement requires Metropolitan Home Mortgage, Inc., doing business as Wholesale Home Lenders, to pay a $20,000 civil penalty and bars the company from failing to comply with the Prescreen Rule. The settlement also contains record-keeping and reporting provisions to allow the FTC to monitor compliance with the order.
The Commission vote to authorize staff to refer the complaint and stipulated final order to the U.S. Department of Justice for filing on the FTC’s behalf was 4-0. The documents were filed in the U.S. District Court for the Central District of California, Southern Division.
NOTE: The Commission authorizes the filing of a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendants have actually violated the law. Stipulated court orders are for settlement purposes only and do not necessarily constitute an admission by the defendant of a law violation. Stipulated orders are subject to court approval and have the force of law when signed by the judge.
The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 1,500 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s Web site provides free information on a variety of consumer topics.
MEDIA CONTACT:
Frank Dorman
Office of Public Affairs
202-326-2674
STAFF CONTACT:
Katherine Armstrong
Bureau of Consumer Protection
202-326-3250
(FTC File No. 0823104)
(Wholesale Home Lenders)
Here is what you find at http://www.ftc.gov/credit:
Credit & LoansSummaries of Rights
Fair Credit Reporting Act
Identity Theft
Almost every day, you’re involved in some type of financial transaction requiring an educated decision. 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.
Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. This site also has publications for businesses on credit issues and information on credit-related Rules and Acts enforced by the FTC.
To find FTC information and consumer publications on a specific Credit & Loans topic, click on a category name from the list below.
Your Rights: Credit Reporting
Credit Cards & Consumer Loans
Credit Reports & Scoring
In Debt?
Mortgages/Real Estate
Privacy
Knowing your credit history is the only real way to be sure you can get the best deals possible. The following blog information is copied from the Wikipedia “credit bistory” page and Wikipedia owns the copyright to the following post material:
Credit history
From Wikipedia, the free encyclopedia
(Redirected from Credit repair)
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This article deals with the general concept of the term credit history. For detailed information about the same topic in the United States, see Credit score (United States).
Credit history or credit report is, in many countries, a record of an individual’s or company’s past borrowing and repaying, including information about late payments and bankruptcy. The term “credit reputation” can either be used synonymous to credit history or to credit score.
In the U.S., when a customer fills out an application for credit from a bank, store or credit card company, their information is forwarded to a credit bureau. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files.That’s why it’s very important for creditors, lenders and others to provide accurate data to credit bureaus. [1]
This information is used by lenders such as credit card companies to determine an individual’s credit worthiness; that is, determining an individual’s willingness to repay a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid on a monthly basis.
There has been much discussion over the accuracy of the data in consumer reports. However, the only scientifically researched studies that include sample sizes large enough to be valid have concluded that by and large the data in credit reports is very accurate. [2] [3] The credit bureaus point to their own study of 52 million credit reports to highlight that the data in reports is very accurate. The Consumer Data Industry Association testified before Congress that less than two percent of those reports that resulted in a consumer dispute had data deleted because it was in error.[4]
If a consumer disputes some information in a credit report, the credit bureau has 30 days to verify the data. Over 70 percent of these consumer disputes are resolved within 14 days and then the consumer is notified of the resolution. [5] The Federal Trade Commission states that one large credit bureau notes 95 percent of those who dispute an item seem satified with the outcome.[6]
The other factor in determining whether a lender will provide a consumer credit or a loan is dependent on income. The higher the income, all other things being equal, the more credit the consumer can access. However, lenders make credit granting decisions based on both ability to repay a debt (income) and willingness (the credit report) as indicated in the past payment history.
These factors help lenders determine whether to extend credit, and on what terms. With the adoption of risk-based pricing on almost all lending in the financial services industry, this report has become even more important since it is usually the sole element used to choose the annual percentage rate (APR), grace period and other contractual obligations of the credit card or loan.
edit] How credit rating is determined
Credit ratings are determined differently in each country, but the factors are similar, and may include:
Payment history – a record of delinquent payments, generally being more than 30 days, will lower the credit rating.
Control of debt – Lenders want to see that borrowers are not living beyond their means. Experts estimate that non-mortgage credit payments each month should not exceed more than 15 percent of the borrower’s after-tax income.[citation needed]
Signs of responsibility and stability – Lenders perceive things such as longevity in the borrower’s home and job (at least two years) as signs of stability.[citation needed]
Re-Aging – Through re-aging, the date of last action on the account is changed. This can dramatically alter the credit score. In 2000, the Federal Financial Institutions Examination Council (FFEIC) clarified guidelines on re-aging accounts for delinquent borrowers. [1] (PDF)
Utilization—Lenders ascribe increased risk to accounts with balances near their limits.
Credit inquiries – An inquiry is noted every time a company requests some information from a consumer’s credit file. There are several kinds of inquiries that may or may not affect one’s credit score. Inquiries that have no effect on the creditworthiness of a consumer (also known as “soft inquiries”) are:
Prescreening inquiries where a credit bureau may sell a person’s contact information to an institution that issues credit cards, loans and insurance based on certain criteria that the lender has established.
A creditor also checks its customers’ credit files periodically.
A credit counseling agency, with the client’s permission, can obtain a client’s credit report with no adverse action.
A consumer can check his or her own credit report without impacting creditworthiness.
Inquiries that do have an effect on the creditworthiness of a consumer (also known as “hard inquiries”) are made by lenders when consumers are seeking credit or a loan, in connection with permissible purpose. Lenders, when granted a permissible purpose, as defined by the Fair Credit Reporting Act, can “pull” a consumer file for the purposes of extending credit to a consumer. Hard inquiries from lenders directly affect the borrower’s credit score. Keeping credit inquiries to a minimum can help a person’s credit rating. A lender may perceive many inquiries over a short period of time on a person’s report as a signal that the person is in financial difficulty, and may consider that person a poor credit risk.
Credit cards that are not used – Although it is believed that having too many credit cards can have an adverse effect on a credit score, closing these lines of credit will not necessarily improve your score. Many risk models consider the difference between the amount of credit a person has and the amount being used: closing one or more accounts will reduce your total available credit, lower the percentage of available credit, and possibly lower your credit score. Risk models also factor in account age: closing an account with several years of history that is in good standing will most likely negatively affect your score.
[edit] Understanding credit reports and scores
The Government of Canada offers a free publication called Understanding Your Credit Report and Credit Score. This publication provides sample credit report and credit score documents with explanations of the notations and codes that are used. It also contains general information on how to build or improve credit history, and how to check for signs that identity theft has occurred. The publication is available online at http://www.fcac.gc.ca, the site of the Financial Consumer Agency of Canada. Paper copies can also be ordered at no charge for residents of Canada.
[edit] Credit History of Immigrants
Credit history usually applies to only one country. Even within the same credit card network, information is not shared between different countries. For example, if a person has been living in Canada for many years and then moves to the United States, when they apply for credit cards or a mortgage in the U.S., they would usually not be approved because of a lack of credit history, even if they had an excellent credit rating in their home country and even if they had a very high salary in their home country.
An immigrant must establish a credit history from scratch in the new country. Therefore, it is usually very difficult for immigrants to obtain credit cards and mortgages until after they have worked in the new country with a stable income for several years.
[edit] Adverse Credit
Adverse credit history, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history, and bad credit history, is a negative credit rating.
A negative credit rating is often considered undesirable to lenders and other extenders of credit for the purposes of loaning money or capital[7].
In the U.S., a consumer’s credit history is compiled by consumer reporting agencies or credit bureaus. The data reported to these agencies are primarily provided to them by creditors and includes detailed records of the relationship a person has with the lender. Detailed account information, including payment history, credit limits, high and low balances, and any aggressive actions taken to recover overdue debts, are all reported regularly (usually monthly). This information is reviewed by a lender to determine whether to approve a loan and on what terms.
As credit became more popular, it became more difficult for lenders to evaluate and approve credit card and loan applications in a timely and efficient manner. To address this issue, credit scoring was adopted.[citation needed]A benefit of scoring was that it made credit available to more consumers and at less cost. ([8])
Credit scoring is the process of using a proprietary mathematical algorithm to create a numerical value that describes an applicants overall creditworthiness. Scores, frequently based on numbers (ranging from 300-850 for consumers in the United States), statistically analyze a credit history, in comparison to other debtors, and gauge the magnitude of financial risk. Since lending money to a person or company is a risk, credit scoring offers a standardized way for lenders to assess that risk rapidly and “without prejudice.”[citation needed] All credit bureaus also offer credit scoring as a supplemental service.
Credit scores assess the likelihood that a borrower will repay a loan or other credit obligation. The higher the score, the better the credit history and the higher the probability that the loan will be repaid on time. When creditors report an excessive number of late payments, or trouble with collecting payments, the score suffers. Similarly, when adverse judgments and collection agency activity are reported, the score decreases even more. Repeated delinquencies or public record entries can lower the score and trigger what is called a negative credit rating or adverse credit history.
Your credit score is a number calculated from factors such as the amount of credit outstanding versus how much you owe, your past ability to pay all your bills on time, how long you’ve had credit, types of credit used and number of inquiries.The three major consumer reporting agencies, Equifax, Experian and TransUnion all sell credit scores to lenders. Fair Isaac is one of the major developers of credit scores used by these consumer reporting agencies. The complete way in which your FICO score is calcualted is complex. One of the factors in your Fico score is credit checks on your credit history. When a lender requests a credit score, it can cause a small drop in the credit score.[9][10] That is because, as stated above, a number of inquiries over a relatively short period of time can indicate the consumer is in a financially difficult situation.
[edit] Consequences
The information in a credit report is sold by credit agencies to organizations that are considering whether to offer credit to individuals or companies. It is also available to other entities with a “permissible purpose”, as defined by the Fair Credit Reporting Act. The consequence of a negative credit rating is typically a reduction in the likelihood that a lender will approve an application for credit under favorable terms, if at all. Interest rates on loans are significantly affected by credit history—the higher the credit rating, the lower the interest while the lower the credit rating, the higher the interest. The increased interest is used to offset the higher rate of default within the low credit rating group of individuals.
In the United States insurance, housing, and employment can be denied based on a negative credit rating.
Note that is not the credit reporting agencies that decide whether a credit history is “adverse.” It is the individual lender or creditor which makes that decision, each lender has its own policy on what scores fall within their guidelines. The specific scores that fall within a lender’s guidelines are most often NOT disclosed to the applicant due to competitive reasons. In the United States, a creditor is required to give the reasons for denying credit to an applicant immediately and must also provide the name and address of the credit reporting agency who provided data that was used to make the decision.
[edit] More than One Credit History Per Person
In some countries, people can have more than one credit history. For example, in Canada, although most Canadians are not aware of it, every person who applied for credit before obtaining a Social Insurance Number has two separate credit histories, one with SIN and one without SIN. This is due to the credit reporting structure in Canada. This can lead to two completely separate parallel histories, and often leads to inconsistencies (although typically the person in question will never notice the inconsistencies), because when a lender asks for someone’s credit report with SIN, what the lender gets is different from what he would have gotten if he asked the report without providing the SIN. This is because, contrary to popular belief, when someone gets a new SIN for whatever reason, the two credit files are never merged unless the person requests specifically. As a result, a record with SIN zeroed out is kept separately from a record with SIN. Note this happens without the person even knowing it.
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financial freedom, money injection, the secret, credit repair, what is with all of these blogs?
Comments (0) | October 7th, 2009
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Steven says:
Your comment is awaiting moderation.
October 17, 2009 at 12:53 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.
If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.
We can assist you with all the following:
bad credit
bad credit auto loan
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bad credit card debt
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bad credit consolidation
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bad credit financing
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Steven says:
Your comment is awaiting moderation.
October 17, 2009 at 12:53 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.
If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.
We can assist you with all the following:
bad credit
bad credit auto loan
bad credit card
bad credit card debt
bad credit cards
bad credit consolidation
bad credit credit card
bad credit credit cards
bad credit financing
bad credit help
bad credit history
bad credit home loan
bad credit lenders
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bad credit mortgage
bad credit mortgages
bad credit personal loan
bad credit personal loans
bad credit rating
bad credit refinance
bad credit report
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Steven says:
Your comment is awaiting moderation.
October 17, 2009 at 12:54 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.
If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.
We can assist you with all the following:
bad credit
bad credit auto loan
bad credit card
bad credit card debt
bad credit cards
bad credit consolidation
bad credit credit card
bad credit credit cards
bad credit financing
bad credit help
bad credit history
bad credit home loan
bad credit lenders
bad credit loan
bad credit loans
bad credit mortgage
bad credit mortgages
bad credit personal loan
bad credit personal loans
bad credit rating
bad credit refinance
bad credit report
bad credit score
bad credit solutions
bad credit unsecured loans
bad debt credit
bankruptcy credit
bankruptcy credit repair
best credit repair
business credit report
clean credit
consolidate credit card debt
consolidate credit cards
consolidating credit card debt
consolidation credit
consumer credit
consumer credit card debt
consumer credit management
consumer credit repair
credit bureau
credit bureaus
credit card counseling
credit card debt
credit card debt advice
credit card debt companies
credit card debt consolidation
credit card debt counseling
credit card debt elimination
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good credit report
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personal loans with bad credit
poor credit
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raise credit score
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reduce credit card debt
reducing credit card debt
remove bad credit
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predatory lending
Steven says:
Your comment is awaiting moderation.
October 17, 2009 at 12:54 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.
If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.
We can assist you with all the following:
bad credit
bad credit auto loan
bad credit card
bad credit card debt
bad credit cards
bad credit consolidation
bad credit credit card
bad credit credit cards
bad credit financing
bad credit help
bad credit history
bad credit home loan
bad credit lenders
bad credit loan
bad credit loans
bad credit mortgage
bad credit mortgages
bad credit personal loan
bad credit personal loans
bad credit rating
bad credit refinance
bad credit report
bad credit score
bad credit solutions
bad credit unsecured loans
bad debt credit
bankruptcy credit
bankruptcy credit repair
best credit repair
business credit report
clean credit
consolidate credit card debt
consolidate credit cards
consolidating credit card debt
consolidation credit
consumer credit
consumer credit card debt
consumer credit management
consumer credit repair
credit bureau
credit bureaus
credit card counseling
credit card debt
credit card debt advice
credit card debt companies
credit card debt consolidation
credit card debt counseling
credit card debt elimination
credit card debt help
credit card debt loan
credit card debt management
credit card debt reduction
credit card debt relief
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credit card debts
credit card dispute
credit card management
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credit check
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credit dispute
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credit history
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credit information
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credit problems
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credit repair business
credit repair companies
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credit repair counseling
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credit repair information
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credit secrets
credit services
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credit tips
dispute credit report
do it yourself credit repair
eliminate credit card debt
erase bad credit
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fix my credit
fix your credit
fixing bad credit
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free credit repair
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get out of credit card debt
good credit report
help with credit card debt
house loans
how to fix bad credit
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how to fix my credit
how to fix your credit
how to repair bad credit
how to repair your credit
improve bad credit
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loan with bad credit
loans for bad credit
loans for people with bad credit
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mortgages
my credit report
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no credit
paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
poor credit loans
raise credit score
raise your credit score
rebuild bad credit
rebuild credit
reduce credit card debt
reducing credit card debt
remove bad credit
repair bad credit
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restore credit
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debt plans
Steven says:
Your comment is awaiting moderation.
October 17, 2009 at 12:58 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.
If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.
We can assist you with all the following:
bad credit
bad credit auto loan
bad credit card
bad credit card debt
bad credit cards
bad credit consolidation
bad credit credit card
bad credit credit cards
bad credit financing
bad credit help
bad credit history
bad credit home loan
bad credit lenders
bad credit loan
bad credit loans
bad credit mortgage
bad credit mortgages
bad credit personal loan
bad credit personal loans
bad credit rating
bad credit refinance
bad credit report
bad credit score
bad credit solutions
bad credit unsecured loans
bad debt credit
bankruptcy credit
bankruptcy credit repair
best credit repair
business credit report
clean credit
consolidate credit card debt
consolidate credit cards
consolidating credit card debt
consolidation credit
consumer credit
consumer credit card debt
consumer credit management
consumer credit repair
credit bureau
credit bureaus
credit card counseling
credit card debt
credit card debt advice
credit card debt companies
credit card debt consolidation
credit card debt counseling
credit card debt elimination
credit card debt help
credit card debt loan
credit card debt management
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fix my credit
fix your credit
fixing bad credit
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fixing credit score
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fixing your credit
free credit repair
free credit report
get out of credit card debt
good credit report
help with credit card debt
house loans
how to fix bad credit
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how to fix my credit
how to fix your credit
how to repair bad credit
how to repair your credit
improve bad credit
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loans for bad credit
loans for people with bad credit
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mortgages
my credit report
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paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
poor credit loans
raise credit score
raise your credit score
rebuild bad credit
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reduce credit card debt
reducing credit card debt
remove bad credit
repair bad credit
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repair your credit
repairing bad credit
repairing credit
restore credit
settle credit card debt
your credit report
money
Steven says:
Your comment is awaiting moderation.
October 17, 2009 at 1:25 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.
If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp.com if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter. Some of the websites that are not legally associated with Texas-registered CMA Financial Corporation are: http://www.creditmanagementassociates.com
http://www.residentialcreditexperts.com
http://www.creditdalas.com
http://www.cmafincorp.com
http://www.hbcprogram.com
http://www.dacponline.com
We do business under the following names: CMA, CMA Financial, CMA Financial Corp., CMA Financial Corporation and can assist you with all the following:
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bad credit consolidation
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bad credit lenders
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bad credit loans
bad credit mortgage
bad credit mortgages
bad credit personal loan
bad credit personal loans
bad credit rating
bad credit refinance
bad credit report
bad credit score
bad credit solutions
bad credit unsecured loans
bad debt credit
bankruptcy credit
bankruptcy credit repair
best credit repair
business credit report
clean credit
consolidate credit card debt
consolidate credit cards
consolidating credit card debt
consolidation credit
consumer credit
consumer credit card debt
consumer credit management
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erase bad credit
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loan for bad credit
loan modification
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loans for people with bad credit
loans with bad credit
loss mitigation
mortgage credit report
mortgages
my credit report
new credit file
new start financial opportunity
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paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
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raise credit score
raise your credit score
rebuild bad credit
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reduce credit card debt
reducing credit card debt
remove bad credit
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Steven says:
Your comment is awaiting moderation.
October 17, 2009 at 1:26 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.
If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp.com if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter. Some of the websites that are not legally associated with Texas-registered CMA Financial Corporation are: http://www.creditmanagementassociates.com
http://www.residentialcreditexperts.com
http://www.creditdalas.com
http://www.cmafincorp.com
http://www.hbcprogram.com
http://www.dacponline.com
We do business under the following names: CMA, CMA Financial, CMA Financial Corp., CMA Financial Corporation and can assist you with all the following:
bad credit
bad credit auto loan
bad credit card
bad credit card debt
bad credit cards
bad credit consolidation
bad credit credit card
bad credit credit cards
bad credit financing
bad credit help
bad credit history
bad credit home loan
bad credit lenders
bad credit loan
bad credit loans
bad credit mortgage
bad credit mortgages
bad credit personal loan
bad credit personal loans
bad credit rating
bad credit refinance
bad credit report
bad credit score
bad credit solutions
bad credit unsecured loans
bad debt credit
bankruptcy credit
bankruptcy credit repair
best credit repair
business credit report
clean credit
consolidate credit card debt
consolidate credit cards
consolidating credit card debt
consolidation credit
consumer credit
consumer credit card debt
consumer credit management
consumer credit repair
credit bureau
credit bureaus
credit card counseling
credit card debt
credit card debt advice
credit card debt companies
credit card debt consolidation
credit card debt counseling
credit card debt elimination
credit card debt help
credit card debt loan
credit card debt management
credit card debt reduction
credit card debt relief
credit card debt services
credit card debt settlement
credit card debts
credit card dispute
credit card management
credit card services
credit card settlement
credit cards for bad credit
credit check
credit counseling
credit counseling solutions
credit counselling
credit dallas
credit debt
credit debt management
credit debt solutions
credit dispute
credit dispute report
credit help
credit history
credit history repair
credit information
credit loan
credit loans
credit management
credit management associates
credit management services
credit problems
credit rating
credit repair
credit repair advice
credit repair agency
credit repair business
credit repair companies
credit repair company
credit repair counseling
credit repair help
credit repair information
credit repair loan
credit repair loans
credit repair mortgage
credit repair program
credit repair programs
credit repair report
credit repair secrets
credit repair service
credit repair services
credit repair software
credit repair tips
credit report
credit report and score
credit report com
credit report companies
credit report help
credit report history
credit report information
credit report management
credit report online
credit report score
credit report services
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credit reporting
credit reports
credit restoration
credit score
credit score report
credit scores
credit scoring
credit secrets
credit services
credit solution
credit solutions
credit tips
dispute credit report
do it yourself credit repair
eliminate credit card debt
erase bad credit
fast credit repair
fix bad credit
fix bad credit report
fix bad credit score
fix credit
fix credit report
fix credit score
fix my credit
fix your credit
fixing bad credit
fixing credit
fixing credit report
fixing credit score
fixing my credit
fixing your credit
free credit repair
free credit report
get out of credit card debt
good credit report
help with credit card debt
house loans
how to fix bad credit
how to fix credit
how to fix credit report
how to fix my credit
how to fix your credit
how to repair bad credit
how to repair your credit
improve bad credit
improve credit
improve credit rating
improve credit score
increase credit score
instant credit repair
loan for bad credit
loan modification
loan with bad credit
loans for bad credit
loans for people with bad credit
loans with bad credit
loss mitigation
mortgage credit report
mortgages
my credit report
new credit file
new start financial opportunity
no credit
paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
poor credit loans
raise credit score
raise your credit score
rebuild bad credit
rebuild credit
reduce credit card debt
reducing credit card debt
remove bad credit
repair bad credit
repair credit rating
repair credit report
repair credit score
repair my credit
repair your credit
repairing bad credit
repairing credit
residential credit expert
residential credit experts
restore credit
settle credit card debt
your credit report
residential credit experts
Steven says:
Your comment is awaiting moderation.
October 17, 2009 at 1:39 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.
If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp.com if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter. Some of the websites that are not legally associated with Texas-registered CMA Financial Corporation are: http://www.creditmanagementassociates.com
http://www.residentialcreditexperts.com
http://www.creditdalas.com
http://www.cmafincorp.com
http://www.hbcprogram.com
http://www.dacponline.com
We do business under the following names: CMA, CMA Financial, CMA Financial Corp., CMA Financial Corporation and can assist you with all the following:
bad credit
bad credit auto loan
bad credit card
bad credit card debt
bad credit cards
bad credit consolidation
bad credit credit card
bad credit credit cards
bad credit financing
bad credit help
bad credit history
bad credit home loan
bad credit lenders
bad credit loan
bad credit loans
bad credit mortgage
bad credit mortgages
bad credit personal loan
bad credit personal loans
bad credit rating
bad credit refinance
bad credit report
bad credit score
bad credit solutions
bad credit unsecured loans
bad debt credit
bankruptcy credit
bankruptcy credit repair
best credit repair
business credit report
clean credit
consolidate credit card debt
consolidate credit cards
consolidating credit card debt
consolidation credit
consumer credit
consumer credit card debt
consumer credit management
consumer credit repair
credit bureau
credit bureaus
credit card counseling
credit card debt
credit card debt advice
credit card debt companies
credit card debt consolidation
credit card debt counseling
credit card debt elimination
credit card debt help
credit card debt loan
credit card debt management
credit card debt reduction
credit card debt relief
credit card debt services
credit card debt settlement
credit card debts
credit card dispute
credit card management
credit card services
credit card settlement
credit cards for bad credit
credit check
credit counseling
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credit dallas
credit debt
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credit dispute
credit dispute report
credit help
credit history
credit history repair
credit information
credit loan
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credit problems
credit rating
credit repair
credit repair advice
credit repair agency
credit repair business
credit repair companies
credit repair company
credit repair counseling
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credit repair information
credit repair loan
credit repair loans
credit repair mortgage
credit repair program
credit repair programs
credit repair report
credit repair secrets
credit repair service
credit repair services
credit repair software
credit repair tips
credit report
credit report and score
credit report com
credit report companies
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credit report online
credit report score
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credit reporting
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credit restoration
credit score
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credit scores
credit scoring
credit secrets
credit services
credit solution
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credit tips
dispute credit report
do it yourself credit repair
eliminate credit card debt
erase bad credit
fast credit repair
fix bad credit
fix bad credit report
fix bad credit score
fix credit
fix credit report
fix credit score
fix my credit
fix your credit
fixing bad credit
fixing credit
fixing credit report
fixing credit score
fixing my credit
fixing your credit
free credit repair
free credit report
get out of credit card debt
good credit report
help with credit card debt
house loans
how to fix bad credit
how to fix credit
how to fix credit report
how to fix my credit
how to fix your credit
how to repair bad credit
how to repair your credit
improve bad credit
improve credit
improve credit rating
improve credit score
increase credit score
instant credit repair
loan for bad credit
loan modification
loan with bad credit
loans for bad credit
loans for people with bad credit
loans with bad credit
loss mitigation
mortgage credit report
mortgages
my credit report
new credit file
new start financial opportunity
no credit
paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
poor credit loans
raise credit score
raise your credit score
rebuild bad credit
rebuild credit
reduce credit card debt
reducing credit card debt
remove bad credit
repair bad credit
repair credit rating
repair credit report
repair credit score
repair my credit
repair your credit
repairing bad credit
repairing credit
residential credit expert
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restore credit
settle credit card debt
your credit report
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bad credit solutions
bad credit unsecured loans
bad debt credit
bankruptcy credit
bankruptcy credit repair
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business credit report
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consolidate credit card debt
consolidate credit cards
consolidating credit card debt
consolidation credit
consumer credit
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erase bad credit
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fix your credit
fixing bad credit
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good credit report
help with credit card debt
house loans
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how to fix my credit
how to fix your credit
how to repair bad credit
how to repair your credit
improve bad credit
improve credit
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instant credit repair
loan for bad credit
loan modification
loan with bad credit
loans for bad credit
loans for people with bad credit
loans with bad credit
loss mitigation
mortgage credit report
mortgages
my credit report
new credit file
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no credit
paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
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raise credit score
raise your credit score
rebuild bad credit
rebuild credit
reduce credit card debt
reducing credit card debt
remove bad credit
repair bad credit
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repair credit score
repair my credit
repair your credit
repairing bad credit
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restore credit
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your credit report
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fix your credit
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get out of credit card debt
good credit report
help with credit card debt
house loans
how to fix bad credit
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how to fix my credit
how to fix your credit
how to repair bad credit
how to repair your credit
improve bad credit
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instant credit repair
loan for bad credit
loan modification
loan with bad credit
loans for bad credit
loans for people with bad credit
loans with bad credit
loss mitigation
mortgage credit report
mortgages
my credit report
new credit file
new start financial opportunity
no credit
paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
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raise credit score
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rebuild bad credit
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reduce credit card debt
reducing credit card debt
remove bad credit
repair bad credit
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repairing bad credit
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restore credit
settle credit card debt
your credit report
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eliminate credit card debt
erase bad credit
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fix credit score
fix my credit
fix your credit
fixing bad credit
fixing credit
fixing credit report
fixing credit score
fixing my credit
fixing your credit
free credit repair
free credit report
get out of credit card debt
good credit report
help with credit card debt
house loans
how to fix bad credit
how to fix credit
how to fix credit report
how to fix my credit
how to fix your credit
how to repair bad credit
how to repair your credit
improve bad credit
improve credit
improve credit rating
improve credit score
increase credit score
instant credit repair
loan for bad credit
loan modification
loan with bad credit
loans for bad credit
loans for people with bad credit
loans with bad credit
loss mitigation
mortgage credit report
mortgages
my credit report
new credit file
new start financial opportunity
no credit
paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
poor credit loans
raise credit score
raise your credit score
rebuild bad credit
rebuild credit
reduce credit card debt
reducing credit card debt
remove bad credit
repair bad credit
repair credit rating
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repair credit score
repair my credit
repair your credit
repairing bad credit
repairing credit
residential credit expert
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restore credit
settle credit card debt
your credit report
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bad debt credit
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OK, and here is some info on the third of the “Big Three” credit bureaus, Trans Union. The following blog info was copied from the Wikipedia “Trans Union (R)” page and Wikipedia holds the copyright to the following material:
TransUnion (Trans Union, LLC) is the third largest consumer credit reporting agency in the United States, which offers credit-related information to potential creditors. Like major competitors Equifax and Experian; TransUnion markets credit reports directly to consumers.
[edit] History
TransUnion was created in 1968 by Union Tank Car Company as their holding company. Its credit business began with the purchase of Credit Bureau of Cook County (CBCC) in 1969. Trans Union was built from acquisitions of major city credit bureaus, with service agreements with local owners of bureaus which were not for sale. Today it operates 250 offices in the U.S. and in 24 other countries. It is based in Chicago, Illinois.
TransUnion was a subsidiary of The Marmon Group until January 2005 and is now an independent, privately held company.
[edit] Controversy
In 2003, Judy Thomas of Klamath Falls, Oregon, was awarded $5.3 million in a dispute with TransUnion. The award was later reduced to $1 million. Thomas claimed it took her six years to get TransUnion to remove erroneous information from her credit report.[1]
In 2006, after spending two years trying to correct erroneous credit information due to identity theft, a fraud victim named Sloan filed suit against all three of the largest credit agencies. TransUnion and Experian settled out of court for an undisclosed amount. In Sloan v. Equifax, a jury awarded Sloan $351,000. “She wrote letters. She called them. They saw the problem. They just didn’t fix it,” said attorney A. Hugo Blankingship III of Blankingship & Associates in Alexandria, Virginia.[2]
Here is some Experian (R) info which was copied from the Wikipedia “Experian (R)” page. Wikipedia hilds the copyright for the following material in this blog post:
Experian plc (LSE: EXPN), formerly known as CCN Systems, is a global credit information group, with operations in 36 countries.
The company employs 15,500 people. Experian’s corporate headquarters are in Dublin, Ireland with operational headquarters in Nottingham, England and Costa Mesa, California, California, U.S..
It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index.
[edit] History
The Company was founded by John Peace in 1980 in Nottingham as CCN systems, an information services business owned by GUS plc.[1]
It acquired its US credit reporting business, formerly known as TRW Information Services, from Bain Capital and the Thomas H. Lee Company in 1996.[2]
Experian acquired CheetahMail, a business founded in 1998 providing e-mail marketing software and services in 2004.[3]
Experian was demerged from the British company GUS plc in October 2006 and listed on the London Stock Exchange.[4]
PriceGrabber was acquired by Experian in 2005 for $485 million.[5] Also in 2005, Experian acquired FootFall, an information provider to the retail and retail property industries:[6] FootFall is now a part of Experian’s marketing solutions division.
Experian announced its purchase of Northern Credit Bureaus, located in Quebec, Canada in September 2006.[7]
In April 2007, Experian acquired Hitwise, an internet monitor that collects data directly from information service provider networks.[8]
Experian acquired the French leading e-mail marketing company Emailing Solution in May 2007.[9]
Experian expanded its coverage of the customer lifecycle by acquiring the Tallyman debt collection management software from UK-based Talgentra in May 2007.[10]
Experian announced that it will be shutting down its Canadian operations as of April 2009.[11]
[edit] Operations
Experian’s principal lines of business are credit services, marketing solutions, decision analytics and interactive services. The company collects information on people, businesses, motor vehicles and insurance. It also collects ‘lifestyle’ data from on- and off-line surveys.
Its databases contain credit information[12] on 215 million people in the United States and 450 million vehicles, including title and registration data. It provides address information for more than 20 billion promotional mail items to more than 100 million households every year. Experian also provides credit reports on businesses. This business unit partnered with eCredit[13] (now Cortera) in June 2007.
Like the other major credit reporting bureaus, Experian is chiefly regulated in the United States by the Fair Credit Reporting Act (FCRA). The Fair and Accurate Credit Transactions Act of 2003, signed into law in 2003, amended the FCRA to require the credit reporting companies to provide consumers with one free copy of their credit report per 12 month period. Like its main competitors, TransUnion and Equifax, Experian markets credit reports directly to consumers. Experian heavily markets its for-profit credit reporting service, FreeCreditReport.com, and all three agencies have been criticized and even sued for selling credit reports that can be obtained at no cost.[14][15]
Experian US handles its credit disputes in its National Consumer Assistance Center (NCAC) in Allen, Texas. You may contact the NCAC once you have a copy of your personal credit report by calling the number that is located on the personal credit report itself. Experian announced that it would be opening a second NCAC in Santiago, Chile during the summer of 2007. Many divisions of the Allen NCAC as well as several other business functions including software development have been relocated to the Chile location.
Experian provides regional data at nationalscoreindex.com which shows average credit scores by region and zipcode as well as various other measures of household debt. The site does not indicate if it uses a FICO based credit score, the new VantageScore, or some other scoring model.
The company’s largest operation is Experian North America, a consumer credit reporting agency that is considered one of the three largest American credit agencies along with Equifax and TransUnion (there is also a 4th agency known as Innovis). As well as the US, Experian has operations in most European countries as well as Argentina, Brazil, Chile, Costa Rica, South Africa, China, India, Malaysia, Japan and Australia.
[edit] Senior management
role salary bonus total
Don Robert[16] Chief executive officer $1,400,000 $2,370,000 $3,770,000
Paul Brooks[17] Chief financial officer £460,000 £779,000 £1,239,000
[edit] Controversies
In August 2005 Experian accepted that it had violated the Federal Trade Commission rules relating to the provision of free credit reports by mandating members to provide credit card information before a request is fulfilled. The Federal Trade Commission’s fraud unit received several complaints regarding this tactic and agreed to a settlement with the company.[18] As of August 2009, Experian still requires a credit card number to receive a free credit report, and automatically enrolls people in “Triple Advantage(SM) Credit Monitoring,” a paid service costing $14.95 per month.[19]
In January 2008 Experian announced that over 200 jobs would go at its Nottingham office as it would move development work to India in a cost cutting move,[20] causing concern amongst UK consumers over the security of personal data being moved overseas.
OK OK so I have had a few people say that there is nothing that can be done about the “bloodline” power structures… But I have been asked about the credit system as a whole and where the power lies there.
I will post some info to answer these questions. The following is from the Wikipedia “Equifax” webpage and Wikipedia holds the copyright on the following blog post information:
Equifax Inc. (NYSE: EFX) is a consumer credit reporting agency in the United States, considered one of the three largest American credit agencies along with Experian and TransUnion. Founded in 1899, Equifax is the oldest of the three agencies and gathers and maintains information on over 400 million credit holders worldwide. Based in Atlanta, Georgia, Equifax is a global service provider with US $1.5 billion in annual revenue and 7,000+ employees in 14 countries.
[edit] History
Equifax was founded as Retail Credit Company in 1899. The company grew quickly and by 1920 had offices throughout the US and Canada. By the 1960s, Retail Credit Company was one of the nation’s largest credit bureaus, holding files on millions of American and Canadian citizens.
Retail Credit Company’s extensive information holdings, and its willingness to sell them to anyone, attracted criticism of the company in the 1960s and 1970s. These included that it collected “…facts, statistics, inaccuracies and rumors… about virtually every phase of a person’s life; his marital troubles, jobs, school history, childhood, sex life, and political activities.” The company was also alleged to reward its employees for collecting negative information on consumers.[1]
As a result, when the company moved to computerize its records, which would lead to much wider availability of the personal information it held, the US Congress held hearings in 1970. These led to the enactment of the Fair US Credit Reporting Act in the same year which gave consumers rights regarding information stored about them in corporate databanks. It is alleged that the hearings prompted the Retail Credit Company to change its name to Equifax in 1975 to improve its image.[1]
The company has been fined by the Federal Trade Commission on two occasions for violating the Fair Credit Reporting Act. In 2000, Equifax along with Experian and Trans Union were fined US$2.5 million for blocking and delaying phone calls from consumers trying to get information about their credit. In 2003, the FTC took Equifax to court for the same reason and settled its lawsuit with the company for a fine of US$250,000.[2] [3].
The company later expanded into commercial credit reports on companies in the US, Canada and the UK, where it came into competition with companies such as Dun & Bradstreet and Experian. The company also had a division selling specialist credit information to the insurance industry but spun off this service, including the Comprehensive Loss Underwriting Exchange (CLUE) database as ChoicePoint in 1997. The company formerly offered digital certification services, which it sold to GeoTrust in September 2001. In the same year, Equifax spun-off its payment services division, forming the publicly-listed company Certegy, which subsequently acquired Fidelity National Information Services in 2006. Certegy effectively became a subsidiary of Fidelity National Financial as a result of this reverse acquisition merger (See Certegy and Fidelity National Information Services for further information).
[edit] Products
For most of its existence, Equifax has operated primarily in the business-to-business sector, selling consumer credit reports and related analytics to businesses in a range of industries.[citation needed] Business customers include retailers, insurance firms, healthcare providers, utilities, government agencies, as well as banks and other financial institutions.
Equifax sells businesses credit reports, analytics, demographic data, and software. Credit reports provide detailed information on the personal credit and payment history of individuals, indicating how they have honored financial obligations such as paying bills or repaying a loan. Businesses then use this information to decide what sort of products or services to offer their customers, and on what terms.
Beginning in 1999, Equifax began offering products that help people monitor their credit history, including alerting consumers to the possibility of their being a victim of credit fraud or identity theft. Equifax, and other credit monitoring agencies are required by law to provide US citizens with one free credit file disclosure every 12 months, which may be requested on-line at Annualcreditreport.com.
[edit] Equifax Credit Watch
Equifax also sells online reports and a subscription services for credit monitoring. Registered members can log into the Credit Watch web site and obtain reports, set alert preferences, and manage Credit Lock settings.[1]
[edit] Credit Lock
Equifax also offers a credit lock service that prevents or limits inquiries into subscribers credit reports. Subscribers to the credit lock service can set their preferences for access to their credit report. It can be set for access to all inquiries for a specified duration or set for selective access by specific organizations using a PIN system. Similar services are being offered by other credit bureaus and third party companies such as LifeLock.
[edit] Credit score
Associated with a person’s credit history, though not part of the credit report, is a number called a Credit score.
The most widely used provider of credit scores is Fair Isaac Corporation (FICO). FICO scores come into the credit picture when potential lenders obtain credit information from a credit reporting agency (Equifax, TransUnion, Experian, etc) in the form of a credit report and process the report data through FICO’s proprietary software algorithm to produce a credit score ranging from 350-850.
The potential lender then uses the score along with other data to decide if extending credit to the loan applicant is an acceptable risk.
The formula used to calculate a FICO score is a closely guarded secret and has been reported to vary dynamically depending on such factors as the rate of bankruptcy filings, foreclosures and current financial climate.
[edit] Recent consumer issues
As of July 2007, Equifax form letters include a toll-free number, (888) 876-5796, that is no longer in service. Below this defunct phone number, the Equifax form letter informs customers that they “must call within 60 days” if they wish to dispute any information contained within the letter.[citation needed] As of February 2009, the form letters include the number 866-224-9235, however this number is no longer functional (as of March 12, 2009).
As of December 2007, the telephone number listed for disputing items on the free online credit report (866-233-4027) is also defunct, returning a “not in service” message when called.[citation needed]
Alternatively you can dispute by mail with a free credit dispute form, which gives the bureau 30 days to respond to a complaint or delete the inaccurate account. [2] Additionally, Equifax must then provide you with a free report showing the updated account information.
Well some say the Bush family wields alot of power which can affect the credit industry. The folllowing information was copied from the Wikipedia “Bush Family” webpage and Wikipedia holds the copyright to this material in this blog post:
The Bush family is a prominent American family. Along with many members who have been successful bankers and businessmen, across three generations the family includes two U.S. Senators, one Supreme Court Justice, two Governors, one Vice President and two Presidents. George Herbert Walker and Barbara Bush have been married for 63 years, holding the record for the longest married presidential couple. Peter Schweizer, author of a biography of the family, has described the Bushes as “the most successful political dynasty in American history.”[1] According to some online sources,[2][3][4] the Bush family is of primarily English and German descent.
Contents [hide]
1 Family tree
2 Ancestors
2.1 Patrilineal line
2.2 Other notable relatives
3 Connections to other prominent families
3.1 Walker family
3.2 Fish family
3.3 Pierce family
3.4 Other U.S. presidents
3.5 Kerry family
3.6 Sir Winston Churchill
3.7 The Mayflower pilgrims
4 References
5 Further reading
6 See also
[edit] Family tree
The following is a selective family tree of notable members of the modern Bush family:
Timothy Bush, Jr. Lydia Newcomb
Obadiah Newcomb Bush Harriet Smith
James Smith Bush Harriet Fay
Samuel P. Bush Flora Sheldon
Prescott Sheldon Bush Dorothy Wear Walker Robert Sheldon Bush Mary Eleanor Bush Margaret Livingston Bush James Smith Bush
Prescott Sheldon Bush Jr. George H. W. Bush Barbara Pierce Nancy Walker Bush Jonathan James Bush William Henry Trotter Bush
George W. Bush Laura Lane Welch Pauline Robinson “Robin” Bush John Ellis “Jeb” Bush Columba Garnica Gallo Neil Mallon Bush Sharon Smith Marvin Pierce Bush Dorothy Walker Bush
Barbara Pierce Bush Jenna Welch Bush Henry Chase Hager George Prescott Bush John Ellis “Jebby” Bush, Jr. Noelle Lucila Bush Lauren Bush Billy Bush Ashley Bush
The George Bush family in the early-mid 1960s. In the front row, from left to right, stand Neil Bush, Marvin Bush, and Jeb Bush. In the back row are Dorothy Bush, George W. Bush, Barbara Bush, and George H. W. Bush.Samuel P. Bush (1863–1948), a close adviser to President Hoover, was president of the Ohio Association of Manufacturers and a major Columbus industrialist. He also served on the board of the Federal Reserve Bank of Cleveland (as well as of the Huntington National Bank of Columbus).
Flora Sheldon (1872-1920), the wife of Samuel P. Bush, married June 20, 1894 and mother to Prescott Bush.
Prescott Bush (1895–1972), Samuel P. Bush’s son, served as a US Senator from Connecticut.
Dorothy Wear Walker Bush (1901–1992), the wife of Prescott, was the daughter of George Herbert Walker of the well-connected Walker family of bankers and businessmen
Prescott Bush, Jr. (born 1922), Prescott Bush’s eldest son, served as chairman of the U.S.-China Chamber of Commerce.
George H.W. Bush (born 1924), Prescott Bush Sr.’s second son, was the 41st US President, Vice-President of the United States under Ronald Reagan, a Congressman from Houston, and CIA director, and also held other political and diplomatic posts. Before his political career he was in the oil business in Texas.
Barbara Pierce Bush (born 1925), the daughter of publisher Marvin Pierce, was First Lady of the US and Second Lady of the US during her husband’s terms.
George W. Bush (born 1946), George H.W. Bush’s eldest son, was the 43rd President of the United States and was the 46th Governor of Texas.
Laura Welch Bush (born 1946), the wife of George W., was the First Lady and a former teacher.
Barbara Pierce Bush and Jenna Welch Bush Hager (born 1981), George W. Bush’s twin daughters.
Henry Chase Hager (born 1981), wed to Jenna Bush.
Pauline Robinson Bush (1949–1953), George H.W. Bush’s second child and first daughter, died of leukemia.
Jeb Bush (born 1953), George H.W. Bush’s second son, was the 43rd Governor of Florida. Married to Columba Bush.
George P. Bush (born 1976), son of Jeb Bush, works for Charter Holdings, a real estate investment company. Married to Amanda Williams.
Jeb Bush, Jr. (born 1983) is attending University of Texas
Noelle Bush (born 1977)
Neil Bush (born 1955), third son of George H. W. Bush and brother of President George W. Bush, is a businessman. Currently married to Maria Bush (as of 2004).
Lauren Bush (born 1984), model for Tommy Hilfiger, daughter of Neil Bush and Sharon Smith.
Pierce Bush (born 1986), son of Neil Bush and Sharon Smith.
Ashley Bush (born 1989), daughter of Neil Bush and Sharon Smith.
Marvin Bush (born 1956), a venture capitalist, fourth son of George H. W. Bush, and brother of President George W. Bush.
Dorothy Bush Koch (born 1959), second daughter of George H. W. Bush and sister of President George W. Bush. Married to Bobby Koch, wine lobbyist. Children are Sam and Ellie LeBlond, Robert and Gigi Koch.
Nancy Walker Bush Ellis (born 1926), Prescott Bush Sr.’s third child, and the only daughter.
John Prescott Ellis (born 1953), son of Nancy Bush Ellis, media consultant
Jonathan Bush (born 1931), Prescott Bush Sr.’s fourth child, banker
Jonathan S. Bush (born 1969), son of Jonathan Bush, insurance executive
Billy Bush (born 1971), son of Jonathan Bush, Access Hollywood host
William H.T. Bush (born 1938), Prescott Bush Sr.’s fifth child, banker and executive
[edit] Ancestors
Barbara Bush, Jeb Bush, George H.W. Bush, Laura Bush, and George W. Bush, and Hall of Fame pitcher Bob Feller watch tee ball on the White House lawn.[edit] Patrilineal line
Richard Bush (c. 1696 – 1732 in Bristol, Plymouth Colony) is believed to be the earliest known patrilineal member of the Bush family in North America.
Timothy Bush (1728–1815 in Springport, New York) may have been the son of Richard Bush.
Timothy Bush, Jr. (1761–1850 in Penfield, New York) was the son of Timothy Bush.
Obadiah Newcomb Bush (January 28, 1797–1851) was the son of blacksmith Timothy Bush, Jr. and Lydia Newcomb, and was born in Penfield, New York on January 28, 1797. He left home during the War of 1812 and married Harriet Smith (1800-1867) (Cambridge, New York, May 12, 1800 – Cincinnati, Ohio, June 21, 1867), the daughter of Dr. Sanford Smith (1760-1815) (Stonington, Connecticut, February 27, 1760 – Scipio, New York, June 15, 1815) and his wife Priscilla Whippo Smith (1763-1838) (Cambridge, New York, c. 1763 – Pottstown, Pennsylvania, August 26, 1838), in Rochester, New York on November 8, 1821. He and his wife had seven children. Through his son Reverend James Smith Bush (1825-1889), he is the great-great-grandfather of former President George Herbert Walker Bush and the great-great-great-grandfather of President George W. Bush. In Rochester, Obadiah was employed as a schoolmaster and was also a well known abolitionist. He served as vice president of the Anti-Slavery Society and was on a committee to nominate candidates for justice of the peace. His brother Henry, a manufacturer of stoves, was also well known for his involvement in abolitionist activities. He was a participant in the Underground Railroad, and even petitioned the New York State Legislature to secede from the Union in a protest against slavery. The Rochester Daily Advertiser accused him of encouraging “anarchy.” Eventually Obadiah, Henry and possibly another brother or two went off to find their fortunes in the California Gold Rush of 1849. After two years of toiling in California he began passage home, by ship, to retrieve his family in New York. He died, however, aboard ship and was given a sea burial. According to the book The Faith of George W. Bush: “[He] left his home during the War of 1812, became a schoolmaster, then caught gold fever and left for California during the Gold Rush of 1849. Two years later, he tried to return home to reclaim his family and take them west. He died in the attempt, though, and was buried at sea. leaving his wife and seven children alone in Rochester, New York.”
James Smith Bush (1825–1889), an Episcopal priest in New Jersey, California, and New York, was the son of Obadiah Bush and the father of Samuel Prescott Bush. The first Bush to earn a degree from Yale University, he supported the founding of The Third Society at Yale, now known as Wolf’s Head Society.
[edit] Other notable relatives
George Bush (1796-1859) was a biblical scholar who wrote the book Life of Mohammed, and a cousin of Obadiah Newcomb Bush.
Col. Robert Bolling Sr. (1646-1709) was an Early American settler whose son, Robert Bolling Jr., was a Bush family ancestor. Bolling Sr. later had children with Jane Poythress, the granddaughter of Pocahontas. These children were her only surviving descendants. As a result, all members of the George H.W. Bush family (including his siblings) are relatives of all Pocahontas descendants.
Gov. Thomas Hinckley (1618-1706) was a Plymouth Colony governor, and an ancestor of all members of the George H.W. Bush family (including his siblings).
Mary Parker (1637-92) was executed by hanging in 1692 for witchcraft in the Salem Witch Trials, and a 4th great-grandmother of the Rev. James Smith Bush Esq. (1825-89).[5][6][7]
Philip Sherman (1610-87) was a founder of Rhode Island and an ancestor of all members of the George H.W. Bush family (including his siblings).
Gov. Thomas Mayhew Sr. (1593-1682) was the founder of Martha’s Vineyard and an ancestor of all members of the George H. W. Bush family (including his siblings).
Måns Andersson ( -aft. 1679) was a Swedish immigrant and believed to be among the earliest ancestors of the Bush family in North America.
Jonathan Fairbanks (1594-1668) was the builder of the Fairbanks House, the oldest existing house in North America, and was a 4th great grandfather of Obadiah Newcomb Bush.[8] He is also an ancestor of William Howard Taft,[9] Vice President Charles W. Fairbanks[10] and the father and son Governors of Vermont Erastus Fairbanks and Horace Fairbanks.[11]
Rev. John Lothropp (1584-1653) was an ancestor of all members of the George H.W. Bush family (including his siblings). This ancestry makes the Bush family relatives to President Grant as well as Benedict Arnold, among others.
Anne Hutchinson (1591-1643) was a Massachusetts religious dissident and an ancestor of all members of the George H.W. Bush family (including his siblings).[12] This ancestry makes the Bush family relatives of Presidents Washington, Franklin Roosevelt and Coolidge.
[edit] Connections to other prominent families
George H.W. Bush with son George W. Bush, 2008[edit] Walker family
George Herbert “Bert” Walker (1875–1953) was a wealthy American banker and businessman. His daughter Dorothy married Prescott Bush, making him the grandfather of the 41st President George H. W. Bush and the great-grandfather of the 43rd President George W. Bush.
[edit] Fish family
Main article: Fish family
Samuel Prescott Bush married Flora Sheldon, who had a common ancestor with the Fishes (e.g. Hamilton Fish) and the Keans (e.g. Thomas Kean). Their common ancestor was the famed Robert Livingston the Elder.[13]
[edit] Pierce family
First Lady Barbara Bush (née Pierce), the wife of George H.W. Bush (the 41st President of the United States) and the mother of George W. Bush (the 43rd President), is descended from a second cousin of Franklin Pierce (14th President).[13]
[edit] Other U.S. presidents
President George W. Bush is related to other presidents as well as Pierce, to whom he is also related on his father’s side via Daniel Brewer. He is also a cousin of Washington (via Hutchinsons), Fillmore (via Millards), Lincoln (via Gilmans), Grant (via Lathrops), Hayes (via Smiths, Footes, Parmelees, and Huckinses), Garfield (via Wheelers, Carpenters, Cookes, Warrens, Holbrooks, and Arnolds), Cleveland (via Smiths and Stanleys), Theodore Roosevelt (via Schuylers), Taft (via Holbrooks, Thayers, Haywards, Cookes, Footes, Ravenses, Waterses, and Shermans), Coolidge (via Phillipses, Hortons, Garnseys, Pulsiphers, Ravenses, Richardsons, Moores, Bulkeleys, and Morses), Hoover (via Brookses, Reades, Wheelers, Richardsons, and Shermans), Franklin Roosevelt (via Beekmans, Hutchinsons, Popes, Jenneys, Richardses, Palgraves, Lathrops, and Howlands), Nixon (via Lippincotts, Footes, Traverses, Morses, and Howlands), and Ford (via Vanderburghs, Wheelers, Marvins, Gilmans, and Howlands).[13]
[edit] Kerry family
George W. Bush and his opponent in the 2004 U.S. Presidential election John Kerry share a common ancestor in Edmund Reade (1563–1623) and his wife Elizabeth Cooke. Bush and Kerry are 9th cousins, twice removed.[14]
[edit] Sir Winston Churchill
Former President George W. Bush is related to Winston Churchill three ways: through the Coes of NY, the Sumners of Mass., and the Shermans of RI (linking them to the Baldwin, Hoar & Sherman family).[13]
[edit] The Mayflower pilgrims
George W. Bush is also descended from Mayflower passengers John Howland, John Tilley, Henry Sampson, and probably Francis Cooke.
Hmmm… Don’t hear much about the du Pont’s anymore. Her is a tidbit I copied from Wikipedia “Du Pont Family page.” Wikipedia holds the copyrihght for the following text of this blog post:
The du Pont family is an American family descended from Pierre Samuel du Pont de Nemours (1739-1817). The son of a Paris watchmaker and a member of a Burgundian noble family, he and his sons, Victor Marie du Pont and Eleuthère Irénée du Pont, emigrated to the United States in 1800 and used the resources of their Huguenot heritage to found one of the most prominent of American families, and one of its most successful corporations, E. I. du Pont de Nemours and Company, initially established by Eleuthère Irénée as a gunpowder manufacturer. Various members of the family managed the company well into the twentieth century and to this day constitute a substantial portion of the company’s ownership.
[edit] Spelling of the name
The correct spelling of the Du Pont family name is du Pont when quoting an individual’s full name and Du Pont when speaking of the family as a whole; some individual Du Ponts have chosen to spell it differently, perhaps most notably Samuel Francis Du Pont. However, the name of the chemical company founded by the family is correctly spelled DuPont, or, in the long form, E. I. du Pont de Nemours and Company. Other members spelled it as duPont, notably the renowned Thoroughbred racehorse owners William duPont, Jr. and his sister, Marion duPont Scott. [1]
Listed below is an alphabetical listing of selected notable members of the family. It is followed by a listing of their families in order of descent. The listing is intended only to illustrate the relationships among the notable members of the family and is not a complete genealogy. The only family groupings and lines of descent shown are those necessary to illustrate relationships for notable members of the family. By 1942 there were believed to be 705 direct descendants of Pierre Samuel du Pont de Nemours and there are now well over 2000 living members of the family.
[edit] Alphabetical list of selected members of the family
Follow the numbered links to a person’s location in the genealogy below.
Use the “up arrow” at the end of the line to return to the alphabetical listing.
A. Felix du Pont (1879-1948) [2]
A. Felix du Pont, Jr. (1905-1996)
Alexis Irénée du Pont (1816-1857) [3]
Alexis Irénée du Pont, Jr. (1843-1904) [4]
Alexis Irénée du Pont, III (1869-1921) [5]
Alfred Irénée du Pont (1864-1935) [6] DuPont Company biography
Alfred Victor Philadelphe du Pont (1798-1856) [7] DuPont Company biography
Benjamin Franklin du Pont (1964 – ) founder of yet2.com
Charles Irénée du Pont (1797-1869) [8]
Charles Irénée du Pont, II (1859-1902) [9]
Eleuthère Irénée du Pont (1771-1834) [10]
Eleuthère Irénée du Pont, II (1829-1877) [11]
Ethel du Pont (1916-1965)
Eugene du Pont (1840-1902) [12] DuPont Company biography
Eugene du Pont, Jr. (1873-1954) [13]
Eleuthère Paul du Pont (1887-1950) [14]
Francis Gurney du Pont (1850-1904) [15] DuPont Company biography
Francis Irénée du Pont (1873-1942) [16]
Henry du Pont (1812-1889) [17]
Henry Algernon du Pont (1838-1926) [18] DuPont Company biography
Henry Francis du Pont (1880-1969) [19]
John Eleuthère du Pont (1939- )
Irénée du Pont (1876-1963) [20] DuPont Company biography
Lammot du Pont (1831-1884) [21] DuPont Company biography
Lammot du Pont II (1880-1952) [22]
Louise Evelina du Pont Crowninshield (1877-1958) [23]
Maximillian Alfred Pierre John James Alexis Samuel Hobson Comte De Anjou & Brittany-Normandie du Pont (1771-1888)
Pierre Samuel du Pont de Nemours (1739-1817) [24]
Pierre S. du Pont (1870-1954) [25] DuPont Company biography
Pierre du Pont III (1911-1988)
Pierre S. “Pete” du Pont, IV (born 1935)
Reynolds du Pont (1918- ).
Richard C. du Pont (1911-1943)
Samuel Francis Du Pont (1803-1865) [26]
Thomas Coleman du Pont (1863-1930) [27]
Victor Marie du Pont (1767-1827) [28]
Virgil Roger du Pont III (1972-)[1]
William du Pont (1855-1928) [29]
Robert du Pont III (1963-)
[edit] The Family of Pierre Samuel du Pont de Nemours
Follow the numbered links to a person’s spouse and children.
Use the “up arrow” by the name to return to that person’s parents.
Use the “up arrow” at the end of the line to return to the alphabetical listing.
[edit] First Generation
Pierre Samuel du Pont de Nemours (1739-1817) ^
Pierre Samuel du Pont de Nemours married Nicole Charlotte Marie Louise le Dée de Rencourt and had the following children:
Victor Marie du Pont (1767-1827). + [30]
Paul François de Pont de Nemours (1769-1770).
Eleuthère Irénée du Pont (1771-1834). + [31]
[edit] Second Generation
Victor Marie du Pont^ (Pierre-1) (1767-1827) ^
Victor Marie du Pont married Gabrielle Joséphine de la Fite de Pelleport and had the following children:
Amélia Elizabeth du Pont (1796-1869), married William H. Clifford, children.
Charles Irénée du Pont (1797). + [32]
Samuel Francis du Pont (1799-1799)
Samuel Francis du Pont (1803-1865), married Sophie Madeleine du Pont, no children.
Julia Sophie du Pont (1806-1882), married Irvine Shubrick, children.
Eleuthère Irénée du Pont^ (Pierre-1) (1771-1834) ^
Eleuthère Irénée du Pont married Sophie Madeleine Dalmas (1775-1828) in 1791 and had the following children:
Victorine Elizabeth du Pont (1792-1861), married Ferdinand Bauduy, no children.
Lucille du Pont (1795-1795)
Evelina Gabrielle du Pont (1796-1863), married James Antoine Bidermann, children.
Alfred Victor Philadelphe du Pont (1798-1856). + [33]
Eleuthera du Pont (1806-1876), married Thomas McKie Smith, no children.
Sophie Madeleine du Pont (1810-1888), married Samuel Francis du Pont, no children.
Henry du Pont (1812-1889). + [34]
Alexis Irénée du Pont (1816-1857). + [35]
[edit] Third Generation
Charles Irénée du Pont^ (Victor-2, Pierre-1) (1797-1869) ^
Charles Irénée du Pont married Dorcas Montgomery Van Dyke and had the following children:
Mary Van Dyke du Pont (1826-1909).
Victor du Pont (1828-1888). + [36]
Charles Irénée du Pont, Jr. (1830-1873), married Mary Sophie du Pont, no children .
Amélia Josephine du Pont (1832-1833).
Nicholas Van Dyke du Pont (1833-1834).
Charles Irénée du Pont married Anne Ridgely and had the following children:
Amélia Elizabeth du Pont (1842-1917), married Eugene du Pont, children. [37]
Henry Ridgely du Pont (1848-1893).
Alfred Victor Philadelphe du Pont^ (Irénée-2, Pierre-1) (1798-1856) ^
Alfred Victor Philadelphe du Pont married Margaretta Elizabeth Lammot and had the following children:[38]
Victorine Elizabeth du Pont (1825-1887), married Peter Kemble, children.
Emma Paulina du Pont (1827-1914).
Eleuthère Irénée du Pont II (1829-1877). + [39]
Lammot du Pont (1831-1884). + [40]
Alfred Victor du Pont (1833-1893).
Mary Sophie du Pont (1834-1869), married Charles Irénée du Pont, no children.
Antoine Bidermann du Pont (1837-1923). + [41]
Henry du Pont^ (Irénée-2, Pierre-1) (1812-1889) ^
Gen. Henry du Pont married Louisa Gerhard (1816-1900) in 1837 and had the following children:
Henry Algernon du Pont (1838-1926). + [42]
Evelina du Pont (1840-1938).
Ellen Eugenia du Pont (1843-1907), married Alexander Duer Irving, children.
Louisa Gerhard du Pont (1845-1863).
Sara du Pont (1847-1876), married John Duer, no children.
Victorine Elizabeth du Pont (1849-1934), married Antoine Lentilhon Foster, no children.
Sophie Madeleine du Pont (1851-1931), married Theophilus Parsons Chandler, no children.
Mary Constance du Pont (1854-1854).
William du Pont (1855-1928). + [43]
Alexis Irénée du Pont^ ( Irénée-2, Pierre-1) (1816-1857) ^
Alexis Irénée du Pont married Joanna Maria Smith and had the following children:
Frances Elizabeth du Pont (1838-1902), married Leighton Coleman, children.
Eugene du Pont (1840-1902). + [44]
Alexis Irénée du Pont, Jr. (1843-1904). + [45]
Irene Sophie du Pont (1845-1877), married Edward C. Dimmick, children (their daughter Lavinia was mother of Harry Rée)
Eleuthera Paulina du Pont (1848-1906), married Edward Green Bradford, children.
Francis Gurney du Pont (1850-1904). + [46]
Thomas McKie du Pont (1852-1853).
Joanna Maria du Pont (1854-1901), married Edward C. Dimmick, children.
[edit] Fourth Generation
Victor du Pont^ (Charles-3, Victor-2, Pierre-1) (1828-1888)
Victor du Pont married Alice Hounsfield and had the following children:
Victor du Pont, Jr. (1852-1911). + [47]
Mary Lammot du Pont (1854-1927). + [48]
Ethel du Pont (1857-1934). + [49]
Charles Irénée du Pont, II (1859-1902) ^
Samuel Francis du Pont (1861-1862).
Alice du Pont (1863-1937). + [50]
Samuel Francis du Pont (1865-1893).
Greta du Pont (1868-1878).
Sophie du Pont (1871-). + [51]
Renée de Pelleport du Pont (1874-1927). + [52]
Eleuthère Irénée du Pont II^ (Alfred-3, Irénée-2, Pierre-1) (1829-1877) ^
Eleuthère Irénée du Pont II married Charlotte Shepard Henderson and had the following children:
Anna Cazenove du Pont (1860-1899). + [53]
Marguerite Lammot du Pont (1862-1936). + [54]
Alfred Irénée du Pont (1864-1935). + [55]
Maurice du Pont (1866-1941). + [56]
Louis Cazenove du Pont (1868-1892). + [57]
Lammot du Pont^ (Alfred-3, Irénée-2, Pierre-1) (1831-1884) ^
Lammot du Pont married Mary Belin and had the following children:
Isabella d’Andelot du Pont (1866-1871).
Louisa d’Andelot du Pont (January 25, 1868-1926), married Charles Copeland (March 30, 1867 – February 3, 1944), children.
Pierre S. du Pont (1870-1954), married Alice Belin, no children.
Sophie Madeleine du Pont (1871-1894).
Henry Belin du Pont (1873-1902). + [58]
William Kemble du Pont (1874-1907). + [59]
Irénée du Pont (1876-1963 ). + [60]
Mary Alletta Belin du Pont (1878-1938), married William Winder Laird, children.
Lammot du Pont II (1880-1952 ). + [61]
Isabella Mathieu du Pont (1882-1946), married Hugh Rodney Sharp, children.
Margaretta Lammot du Pont (May 12, 1884 – May 1973), married Robert Ruliph Morgan Carpenter, children.
Antoine Bidermann du Pont^ (Alfred-3, Irénée-2, Pierre-1) (1837-1923)
Antoine Bidermann du Pont married Ellen Susan Coleman and had the following children:
Margaretta Elizabeth du Pont (1862-1938), married Michael Bannen Coleman, children.
Thomas Coleman du Pont (1863-1930). + [62]
Antoine Bidermann du Pont (1865-1919), married Mary Ethel Clark, children.
Dora du Pont (1867-1891), married Henry Rodney Phillips, children.
Zara du Pont (1869- ).
Pauline du Pont (1871- ), married Henry Furlong Baldwin, children
Evan Morgan du Pont (1872-1941), married Helen Augusta Quinn, children
Henry Algernon du Pont^ (Henry-3, Irénée-2, Pierre-1) (1838-1926) ^
Henry Algernon du Pont married Mary Pauline Foster and had the following children:
Catherine Barthelemie Pauline du Pont (1875-1876).
Louise Evelina du Pont (1877- ). + [63]
Antoine Irénée du Pont (1879-1879).
Henry Francis du Pont (1880-1969). + [64]
Pierre Irenee du Pont (1882-1882).
Paul Louis du Pont (1882-1883).
Anne Victorine Sophie du Pont (1885-1886).
William du Pont^ (Henry-3, Irénée-2, Pierre-1) (1855-1928) ^
William du Pont first married May du Pont, their divorce caused great family scandal William du Pont second married Annie Rogers (Zinn) had the following children:
Marion duPont (1894-1983)
William duPont, Jr. (1896-1965) + [65]
Eugene du Pont^ (Alexis-3, Irénée-2, Pierre-1) (1840-1902) ^
Eugene du Pont married Amelia Elizabeth du Pont and had the following children:
Anne Ridgely du Pont (1867).
Alexis Irénée du Pont, III (1869-1921).
Mary Van Dyke du Pont (1871-1871).
Eugene du Pont, Jr. (1873-1954). + [66]
Amy Elizabeth du Pont (1875).
Julia Sophia du Pont (1877).
Alexis Irénée du Pont, Jr.^ (Alexis-3, Irénée-2, Pierre-1) (1843-1904) ^
Alexis Irénée du Pont married Elizabeth Canby Bradford and had the following children:
Alice Eugenie du Pont (1876- ). + [67]
Philip Francis du Pont (1878-1928). + [68]
Elizabeth Bradford du Pont (1880- ). + [69]
Eugene Eleuthère du Pont (1882-1966 ). + [70]
Francis Gurney du Pont^ (Alexis-3, Irénée-2, Pierre-1) (1850-1904) ^
Francis Gurney du Pont married Elise Wigfall Simons and had the following children:
Francis Irénée du Pont (1873- ). + [71]
Eleanor Ball du Pont (1875- ).
Irene Sophie du Pont (1877- ). + [72]
Alexis Felix du Pont (1879- ). + [73]
Ernest du Pont (1880- ). + [74]
Lionel du Pont (1882-1882).
Theodore Hume du Pont (1884-1911).
Reginald Ashby du Pont (1885-1885).
Eleuthère Paul du Pont (1887- ). + [75]
Archibald Marion Lesesne du Pont (1889- ). + [76]
[edit] Fifth Generation
Alfred Irénée du Pont^ (Irénée-4, Alfred-3, Irénée-2, Pierre-1) (1864-1935)
Alfred Irénée du Pont married first, Bessie Gardner and had the following children:
Madelein du Pont (1887-19??).
Bessie Cazenove du Pont (1889-19??).
Alfred Victor du Pont (March 17, 1900-March 1970).
Victorine Elise du Pont (1903-199?).
Alfred Irénée du Pont married second, Mary Alica Heyward Bradford and had the following children:
Samuel du Pont (1910-1910).
Eleuthera Paulina du Pont (1912-1912).
Denise du Pont (February 28, 1915- Wednesday, April 5, 2000)
Alfred Irénée du Pont married third, Jessie Dew Ball and had no children.
Henry Belin du Pont^ (Lammot-4, Alfred-3, Irénée-2, Pierre-1) (1873-1902)
Henry Belin du Pont married Eleuthera du Pont Bradford and had the following children:
Henry Belin du Pont, Jr. (1898-1973).
Edward Bradford du Pont (1899-1900).
William Kemble du Pont^ (Lammot-4, Alfred-3, Irénée-2, Pierre-1) (1874- )
William Kemble du Pont married Ethel Fleet Hallock and had the following children:
Lisa du Pont (1900-1900).
Samuel Hallock du Pont (1901-1974).
Paulina du Pont (1903-1964).
Wilhelmina Haedrick du Pont (July 17, 1906-June 25, 2000).
Irénée du Pont^ (Lammot-4, Alfred-3, Irénée-2, Pierre-1) (1876-)
Irénée du Pont married Irene Sophie du Pont and had the following children:
Irene Sophie du Pont (1900-19??).
Margaretta Lammot du Pont (July 17, 1902-March 14, 1991).
Constance Simons du Pont (March 4,1904-February 7, 2002).
David du Pont (1905-1908).
Eleanor Francis du Pont (April 4, 1907-November 1992).
Doris Elise du Pont (1909-1930).
Mariana du Pont (June 18, 1911-April 17, 1992).
Octavia Mary du Pont (June 22, 1913-April 15, 2006).
Lucile Evelina du Pont (September 30, 1915-March 29, 1996).
Irénée du Pont, Jr. (1920- ).
Lammot du Pont^ (Lammot-4, Alfred-3, Irénée-2, Pierre-1) (1880- )
Lammot du Pont married Natalie Driver Wilson and had the following children:
Natalie Wilson du Pont (August 4, 1904-January 1975).
Mary Belin du Pont (1907-198?).
Esther Driver du Pont (January 21, 1908-March 1984)
Lammot du Pont, Jr. (April 2, 1909-February 1964).
Pierre Samuel du Pont, III (January 1, 1911-April 1988).
Edith du Pont (August 28, 1912-May 31, 2003).
Alexandrine de Montchanin du Pont (1915- ).
Reynolds du Pont (March 25, 1918-February 1980).
Thomas Coleman du Pont^ (Bidermann-4, Alfred-3, Irénée-2, Pierre-1) (1863-1930).
Thomas Coleman du Pont married Alice du Pont and had the following children:
Ellen Coleman du Pont (1889- ).
Alice Hounsfield du Pont (1891- ).
Francis Victor du Pont (1894- ).
Renée dePelleport du Pont (1897- ).
Eleuthere Irénée du Pont (1902-1920).
Henry Francis du Pont^ (Henry-4, Henry-3, Irénée-2, Pierre-1) (1880-1969)
Henry Francis du Pont married Ruth Wales and had the following children:
Pauline Louise du Pont (1918- ).
Ruth Ellen du Pont (1922- ).
Henry Francis du Pont had an illigetimate son with Isabella Culkin:
James Samuel du Pont (1970- )
William du Pont, Jr.^ (William-4, Henry-3, Irénée-2, Pierre-1) (1896- )
William du Pont
Eugene du Pont, Jr.^ (Eugene-4, Alexis-3, Irénée-2, Pierre-1) (1873- ).
Eugene du Pont married Ethel Pyle and had the following children:
Eugene du Pont III (1914-1995).
Ethel du Pont (1916-1965).
Nicholas Ridgely du Pont (1917- ).
Aimée du Pont (1920- ).
Francis Irénée du Pont^ (Francis-4, Alexis-3, Irénée-2, Pierre-1) (1873-1942)
Francis Irénée du Pont married Marianna Rhett and had the following children:
Emile Francis du Pont (1898- ).
Hubert Irénée du Pont (1900- ).
Elise du Pont (1902- ).
Francis du Pont (1903- ).
Edmond du Pont (1906- ).
Alfred Rhett du Pont (1907- ).
Alexis Irénée du Pont (1909-1922).
Marianna Rhett du Pont (1916- ).
Marie Delphine du Pont (1916- ).
Alexis Felix du Pont^ (Francis-4, Alexis-3, Irénée-2, Pierre-1) (1879-1948)
Alexis Felix du Pont married Mary Richard Chichester and had the following children:
Alexis Felix du Pont, Jr. (1905-96).
Richard Chichester du Pont (1911-1943).
Alice Frances du Pont (1912-2002).
James Samuel du Pont married Mary Elise Taylor and had the following children:
Carter Eleanora DuPont (1993- ).
James Samuel du Pont Jr. (2006- ).
Eleuthère Paul du Pont^ (Francis-4, Alexis-3, Irénée-2, Pierre-1) (1887-1950)
Eleuthère Paul du Pont married Jean Kane Foulke du Pont and had the following children:
Eleuthère Paul du Pont, Jr. (1911- ).
Francis George du Pont (1913-1987).
Stephen du Pont (1915- ).
Benjamin Bonneau du Pont (1919-2002).
Robert Jacques Turgot du Pont (1923- ).
Alexis Irénée du Pont (1928- ).
[edit] Other Du Ponts Not Mentioned
Bruce Du Pont
Shelley Du Pont
Dyllan Du Pont
WOW! I copied this from the Wikipedia “Rockefeller” page (which owns the copyright to this material.) Fascinating:
The Rockefeller family, the Cleveland family of John D. Rockefeller (1839-1937) (”Senior”) and his brother William Rockefeller (1841-1922), is an American industrial, banking, and political family of German American[citation needed] origin that made the world’s largest private fortune in the oil business during the late 19th and early 20th century, primarily through the Standard Oil Company.[1] The family is also known for its long association with and financial interest in the Chase Manhattan Bank, now JP Morgan Chase.
[edit] Name and origin
The name is an anglicized version of the German Rokkenfelder or Rockenfeller, meaning from Rockenfeld. The Rockefellers’ origin can be directly traced back to the villages of Ehlscheid, Segendorf and Fahr (all suburbanised to Neuwied, Rhineland-Palatinate).[2] These are neighbored to the small settlement of Rockenfeld – part of Neuwied’s quarter Feldkirchen.[3] In Germany, Rockenfeller is known as a family name.
Family records in parish registers reach back to the end of the Thirty Years’ War. The earliest known ancestors (direct line) are Goddard (Gotthard) Rockenfeller (*ca. 1590) Johann Wilhelm Rockenfeller (*ca. 1628,†1702) and Johannes Rockenfeller (*ca. 1634,†1684). Johann Peter (*1682), son of Johannes, moved in 1723 to Ringoes, New Jersey. Johann Thiel (*1695), grandson of Johann Wilhelm, immigrated in 1735 to Germantown, New York. William Avery Rockefeller was looking for a noble descent and a possible connection to a French Huguenot family de Roquefeuille was discussed. However, this is unlikely because the name Rockenfeld is recorded in the region long before the Huguenots fled France (1685).[2]
Johann Peter’s grandson, William, married a distant relative, Christina, the granddaughter of a cousin of Johann Peter. This marriage produced a son, Godfrey, who married Lucy Avery in 1806. Avery’s ancestors were part of the Puritan tide from Devon, England to Massachusetts around 1630. Lucy Avery could justly claim descent from Edmund Ironside, the English king, crowned in 1016.
Godfrey and Lucy eventually shifted to the remote, backwater stagecoach stop of Richford, in the western part of New York State. Their son, William Avery Rockefeller (1810–1906) was a trader in salt and timber who adopted a vagabond life as a confidence man and was known as “Big Bill”, who sired two illegitimate children with his housekeeper. He married up, to Eliza Davison in 1837; her father, John Davison, was relatively rich for the time. Their second child was John Davison Rockefeller, and their third William Rockefeller.[4]
The Rockefellers eventually settled near Cleveland, Ohio, where they would develop into the world-renowned family empire they are today. It was in Cleveland where John D. Sr. would amass his great fortune through Standard Oil which he formed with his brother William Rockefeller,Henry Flagler, chemist Samuel Andrews, and a silent partner Stephen V. Harkness., and where he would later be buried at Lake View Cemetery. In the generations since, however, the Rockefeller family has largely migrated to New York City, although many descendants remain in Cleveland or have since spread out across the country (e.g. Jay Rockefeller of West Virginia). The family business headquarters is now located in New York City’s Rockefeller Plaza.
[edit] The edifice complex
Often credited with an “edifice complex”, members of the family have been heavily involved in myriad real estate construction projects in the US over the span of the twentieth century. Chief among them:
The International House of New York – New York, 1924 (Junior) {Involvement: John D. 3rd, Abby Aldrich, David & Peggy, David Jr., Abby O’Neill};
The College of William and Mary’s Wren Building – Virginia, from 1927 (Renovation funded by Junior);
Colonial Williamsburg – Virginia, from 1927 onwards (Junior, Abby Aldrich, John D. 3rd), historical restoration;
The Museum of Modern Art – New York, from 1929 (Abby Aldrich, Junior, Blanchette, Nelson, David, David Jr., Sharon Percy Rockefeller);
The Riverside Church – New York, 1930 (Junior);
The Cloisters – New York, from 1934 (Junior);
The Interchurch Center – New York, 1948 (Junior);
The Asia Society (Asia House) – New York, 1956 (John D. 3rd);
One Chase Manhattan Plaza – New York, 1961 (David);
The Nelson A. Rockefeller Empire State Plaza – Albany, New York, 1962 (Nelson);
Lincoln Center – New York, 1962 (John D. 3rd);
The World Trade Center Twin Towers – New York, 1973 (David and Nelson);
The Embarcadero Complex – San Francisco, 1974 (David);
The Council of the Americas/Americas Society – New York, 1985 (David).
In addition to this is Senior and Junior’s involvement in seven major housing developments:
Forest Hill Estates in Cleveland, Ohio
City Housing Corporation’s efforts at Sunnyside Gardens in Queens (NY)
Thomas Garden Apartments in the Bronx (NY)
Paul Lawrence Dunbar Housing in Harlem
Lavoisier Apartments in Manhattan (NY)
Van Tassel Apartments in Sleepy Hollow (formerly North Tarrytown), New York
A development in Radburn, New Jersey.[5][6]
A further project involved David Rockefeller in a major middle-income housing development when he was elected in 1947 as chairman of Morningside Heights Inc. in Manhattan by fourteen major institutions that were based in the area, including Columbia University. The result, in 1951, was the six-building apartment complex known as Morningside Gardens.[7]
Senior’s donations led to the formation of the University of Chicago in 1889, where the first American Nobel Prize in science was produced in 1907, and notable for the Chicago School of Economics.[8] This was one instance of a long family and Rockefeller Foundation tradition of financially supporting Ivy League and other major colleges and universities over the generations – seventy-five in total. This includes:
Harvard University
Dartmouth College
Princeton University
Stanford University
Yale University
Massachusetts Institute of Technology
Case Western Reserve University
Brown University
Columbia University
Cornell University.
This financial assistance extends overseas to institutions such as London School of Economics
University College London, among many others.[9]
Senior (and Junior) also created
Rockefeller University in 1901
General Education Board in 1902, which later (1923) evolved into the International Education Board
Rockefeller Sanitary Commission in 1910
Bureau of Social Hygiene in 1913 (Junior)
International Health Commission in 1913
China Medical Board in 1915.
In the 1920s, the International Education Board granted important fellowships to pathbreakers in modern mathematics, such as Stefan Banach, Bartel Leendert van der Waerden, and André Weil, which was a formative part of the gradual shift of world mathematics to the US over this period.
To help promote cooperation between physics and mathematics Rockefeller funds also supported the erection of the new Mathematical Institute at the University of Göttingen between 1926 and 1929
The rise of probability and mathematical statistics owes much to the creation of the Institut Henri Poincaré in Paris by American philanthropy also around this time.[10]
Junior also financially supported numerous other major institutions:
Notable among them his ongoing support for the highly influential foreign policy think tank
The New York Council on Foreign Relations, established in 1921.
In 1978 the Rockefeller Foundation initiated the founding of the financial advisory council called the Group of Thirty, as well as many grants to a myriad of universities, think tanks and other institutions.
Junior was also responsible for the creation and endowment of the Colonial Williamsburg Foundation, which operates the restored historical town at Williamsburg, Virginia, one of the most extensive historic restorations ever undertaken.
[edit] Conservation
Beginning with Rockefeller Senior, the family has been a major force in land conservation. Over the generations, it has created more than 20 national parks and open spaces, including the Cloisters, Acadia National Park, Forest Hill Park, the Nature Conservancy, the largest stand of old growth redwoods, the Rockefeller Forest in California’s Humboldt Redwoods State Park and the″Grand Teton National Park, amongst many others. Rockefeller Jr, and his son Laurance (and his son Larry) were particularly prominent in this area. Most of these efforts were accomplished without public fanfare.
The family was honored for its conservation efforts in November, 2005, by the National Audubon Society, one of America’s largest and oldest conservation organizations, at which over 30 family members attended. At the event, the society’s president, John Flicker, notably stated: “Cumulatively, no other family in America has made the contribution to conservation that the Rockefeller family has made”.[11]
[edit] International politics/finance/economics
The family has been awarded the annual UNA-USA’s Global Leadership Award, along with other recipients over time, including Bill Clinton and Michael Bloomberg. Members of the Rockefeller family into the fourth generation (especially the prominent banker and statesman David Rockefeller, who is the present family patriarch) have been heavily involved in international politics, and have donated money, established or been involved in the following major international institutions:
The Council on Foreign Relations – David, David Jr., Nelson, John D. 3rd, John D. IV (Jay), Peggy Dulany, Rockefeller Foundation, Rockefeller Brothers Fund.
The Trilateral Commission – David, Rockefeller Brothers Fund.
The Bilderberg Group – David, John D. IV.
The Asia Society – John D. 3rd, John D. IV, Charles, David.
The Population Council – John D. 3rd.
The Council of the Americas – David.
The Group of Thirty – The Rockefeller Foundation.
The World Economic Forum – David.
The Brookings Institution – Junior.
The Peterson Institute (Formerly the Institute for International Economics) – David.
The International Executive Service Corps – David.
The Institute for Pacific Relations – Junior.
The League of Nations – Junior.
The United Nations – Junior, John D. 3rd, Nelson, David, Peggy Dulany, Rockefeller Brothers Fund.
The United Nations Association – David.
[edit] The family archives
The Rockefeller Archive Center, an independent foundation that was until 2008 a division of Rockefeller University,[12] is a vast three-story underground bunker built below the Martha Baird Rockefeller Hillcrest mansion on the family estate at Pocantico (see Kykuit). Along forty-foot-long walls of shelves on rails, patrolled by ten full-time archivists, is the entire repository of personal and official papers and correspondence of the complete family and its members, along with historical papers of its numerous foundations, as well as other non-family philanthropic institutions. These include: the Commonwealth Fund, Charles E. Culpeper Foundation, Lucille P. Markey Charitable Trust, and the John and Mary R. Markle Foundation.
In total, it holds over 70 million pages of documents and contains the collections of forty-two scientific, cultural, educational and philanthropic organizations.
Only the expurgated records of deceased family members are publicly available to scholars and researchers; all records pertaining to living members are closed to historians. As Nelson Rockefeller’s researcher, Cary Reich, discovered however, in the case of Nelson’s voluminous 3,247 cubic feet (91.9 m3) of papers, about only one third of these files had been processed (that is, each page vetted by the archivists) and released to researchers up to 1996. He reports that it will be many years before all the papers will be open to the public, despite Nelson having died in 1979.[13]
The Center maintains that this repository of records, covering 140-plus years of the records of the family, in addition to non-Rockefeller philanthropic collections, gives unique insights into United States and world issues and social developments in both the 19th and 20th centuries.
Records in the collection are only available up until the early 1960s, generally 1961. Major subjects in the collection include:
Agriculture,
The Arts,
African-American history,
Education,
International Relations,
Economic Development,
Labor,
Medicine,
Philanthropy,
Politics,
Population,
Religion,
Social Sciences,
Social Welfare,
Women’s history.[14]
[edit] Family wealth
The combined wealth of the family – its total assets and investments plus the individual wealth of its members – has never been known with any precision. The records of the family archives relating to both the family and individual members’ net worth is closed to researchers. Independent researchers have valued the assets of the Rockefeller family much higher, some approaching amounts as high as $110 billion.[15]
From the outset, and even today, the family wealth has been under the complete control of the male members of the dynasty, through the family office. Despite strong-willed wives who had influence over their husbands’ decisions – such as the pivotal female figure Abby Aldrich Rockefeller, wife of Junior – in all cases they received allowances only and were never given even partial responsibility for the family fortune.[16]
Much of the wealth has been locked up in the notable family trust of 1934 (which holds the bulk of the fortune and matures on the death of the fourth generation), and the trust of 1952, both administered by the Chase Manhattan Bank. These trusts have consisted of shares in the successor companies to Standard Oil and other diversified investments, as well as the family’s considerable real estate holdings. They are administered by a powerful trust committee that oversees the fortune. It has consisted over time of high-profile individuals, which have included Paul Volcker, William G. Bowen (former president of Princeton University) and John C. Whitehead (retired co-chairman of Goldman Sachs).[citation needed]
Management of this fortune today also rests with professional money managers who oversee the principal holding company, Rockefeller Financial Services, which controls all the family’s investments, now that Rockefeller Center is no longer owned by the family. The present chairman is David Rockefeller, Jr.
In 1992, it had five main arms:
Rockefeller & Co. (Money management: Universities have invested some of their endowments in this company);
Venrock Associates (Venture Capital: an early investment in Apple Computer was one of many it made in Silicon Valley entrepreneurial start-ups);
Rockefeller Trust Company (Manages hundreds of family trusts);
Rockefeller Insurance Company (Manages liability insurance for family members);
Acadia Risk Management (Insurance Broker: Contracts out policies for the family’s vast art collections, real estate and private planes.)[17]
[edit] Family residences
Over the generations the family members have resided in some notable historic homes. A total of 81 Rockefeller homes are on the National Register of Historic Places.[18] Not including all homes owned by the five brothers, some of the more prominent of these are:
Kykuit – The landmark six-story home on the vast Westchester County family estate, home to four generations of the family;
Bassett Hall – The house at Colonial Williamsburg bought by Junior in 1927 and renovated by 1936, it was favorite residence of both Junior and Abby and is now a house museum at the family-restored Colonial Revival town;
The Eyrie – A sprawling 100-room summer holiday home on Mount Desert Island in Maine, subsequently demolished by family members in the 1950s;
Forest Hill – The family’s country estate and summer home in Cleveland for four decades. Built and occupied by Senior, it burned down in 1917;
Golf House at Lakewood, New Jersey – The former three-story clubhouse for the elite Ocean County Hunt and Country Club, which Senior bought in 1902 to play golf on its golf course;
The Casements – A three-story house at Ormond Beach in Florida, where Senior spent his last winters, from 1919 until his death;
10 West Fifty-fourth Street – A nine-story single family home, the former residence of Junior before he shifted to 740 Park Ave, and the largest residence in New York City at the time, it was the home for the five young brothers. It was later given by Junior to the Museum of Modern Art;
One Beekman Place – The residence of Laurance in New York City;
740 Park Avenue – Junior and Abby’s famed 40-room triplex apartment in the luxury apartment building, which was later sold for a record price;
The JY Ranch – The landmark ranch in Jackson Hole, Wyoming, the holiday resort home built by Junior and later owned by Laurance, it was used by all members of the family and had many prominent visitors, including presidents, until Laurance donated it to the federal government in 2001.
[edit] Criticism
Because of the Rockefeller family’s involvement in so many influential governmental and non-governmental organizations, they have been the recipients of both praise and criticism. While some people see them as heroic, noble, humble, generous, unselfish, and genuine for their charitable work, others view them in a more negative light, calling them apathetic, ruthless, and narcissistic.
[edit] theories
In Fritz Springmeier’s book Bloodlines of the Illuminati, he argues that the Rockefeller family is one of 13 dynastic bloodlines linked to the Illuminati. New World Order conspiracy theories present the Rothschilds, Rockefellers, Phipps’, DuPonts, Vanderbilts, Bush family, etc. as the real rulers or would-be rulers of the world.[19]
The acclaimed poet and Fascist Mussolini sympathizer Ezra Pound; in his World War II radio propaganda broadcasts from Fascist Italy, openly named the Rothschilds as the masters of a clique of banking houses that caused the World Wars in order to profit from them and get countries in debt to the lending central banks, which Pound claimed the Rothschild interests owned and exercised control of a nation’s policy by having the power to issue the nation’s money. Earlier, in 1935, Pound had speculated that “organized anti-Semitism might be the hidden war of Swiss Protestant dynasties against the Rothschilds, whom they had never forgiven for breaking into their banking monopoly.”[20]
[edit] Legacy
A trademark of the dynasty over its 140-plus years has been the remarkable unity it has maintained, despite major divisions that developed in the late 1970s, and unlike other wealthy families such as the DuPonts and the Mellons. A primary reason has been the lifelong efforts of “Junior” to not only cleanse the name from the opprobrium stemming from the ruthless practices of Standard Oil, but his tireless efforts to forge family unity even as he allowed his five sons to operate independently. This was partly achieved by regular brothers and family meetings, but it was also because of the high value placed on family unity by first Nelson and John 3rd, and later especially with David.[21]
As for achievements, in 1972, on the 100th anniversary of the founding of Andrew Carnegie’s philanthropy, the Carnegie Corporation, which has had a long association with the family and its institutions, released a public statement on the influence of the family on not just philanthropy but encompassing a much wider field. Summing up a publicly poorly grasped but predominant view amongst the international philanthropic world, one sentence of this statement read: “The contributions of the Rockefeller family are staggering in their extraordinary range and in the scope of their contribution to humankind.”[22]
As far as wealth is concerned, John D. Rockefeller denied ever being worth $1,000,000,000. However, on September 29, 1916 (notably years after the break-up of his Standard Oil empire by the Supreme Court in 1911[23]), he officially passed that mark and became the richest man who has ever lived, surpassing Carnegie’s by far.[citation needed]
He gave away US$540 million over his lifetime (in dollar terms of that time), and became the greatest lay benefactor of medicine in history.[24] His son, “Junior” also gave away over $537 million over his lifetime, bringing the total philanthropy of just two generations of the family to over $1 billion from 1860 to 1960.[25] Added to this, the New York Times declared in a report in November, 2006 that David Rockefeller’s total charitable benefactions amount to about $900 million over his lifetime.[26]
The combined personal and social connections of the various family members are vast, both in America and throughout the world, including the most powerful politicians, royalty, public figures, and chief businessmen. Notable figures through Standard Oil alone have included Henry Flagler and Henry H. Rogers. Contemporary figures include Henry Kissinger, Nelson Mandela, Richard Parsons (Chairman and CEO of Time Warner), C. Fred Bergsten, Peter G. Peterson (Senior Chairman of the Blackstone Group), and Paul Volcker.
The Rockefeller name is imprinted on numerous places throughout the United States, most notably in New York City, but also in Cleveland, where the family originates:
The Rockefeller Center – A landmark 19-building 22 acre complex in the center of Manhattan established by Junior: Older section constructed from 1930-1939; Newer section constructed during the 1960s-1970s;
The Rockefeller University – Renamed in 1965, this is the distinguished Nobel prize-winning graduate/postgraduate medical school (formerly the Rockefeller Institute for Medical Research, established by Senior in 1901);
The Rockefeller Foundation – Founded in 1913, this is the famous philanthropic organization set up by Senior and Junior;
The Rockefeller Brothers Fund – Founded in 1940 by the third-generation’s five sons and one daughter of Junior;
The Rockefeller Family Fund – Founded in 1967 by members of the family’s fourth-generation;
The Rockefeller Group – A private family-run real estate development company based in New York that originally owned, constructed and managed Rockefeller Center, it is now wholly owned by Mitsubishi Estate Co. Ltd;
The Rockefeller Research Laboratories Building – A major research center into cancer that was established in 1986 and named after Laurance, this is situated at the Memorial Sloan-Kettering Cancer Center;
The Rockefeller Center – Home of the International Student Services office and department of philosophy, politics and law at the State University of New York at Binghamton;
The Rockefeller Chapel – Completed in 1928, this is the tallest building on the campus of the University of Chicago, established by Senior in 1889;
The Rockefeller Hall – Established by Senior in 1906, this building houses the Case Western Reserve University Physics Department;
The Rockefeller Hall – Established by Senior and completed in 1906, this building houses the Cornell University Physics Department;[27]
The Rockefeller Hall – Established by Senior in 1887, who granted Vassar College a $100,000 ($2.34 million in 2006 dollars) allowance to build additional, much needed lecture space. The final cost of the facility was $99,998.75. It now houses multi-purpose classrooms and departmental offices for political science, philosophy and math;
The Rockefeller Hall – Established by Senior and completed in 1886, this is the oldest building on the campus of Spelman College;
The Rockefeller College – Named after John D. Rockefeller III, this is a residential college at Princeton University;
The Michael C. Rockefeller Arts Center – Completed in 1969 in memory of Nelson Rockefeller’s son, this is a cultural center at the State University of New York at Fredonia;
The Michael C. Rockefeller Collection and the Department of Primitive Art – Completed in 1982 after being initiated by Nelson, this is a wing of the Metropolitan Museum of Art;
The David and Peggy Rockefeller Building – A tribute to David’s wife, Peggy Rockefeller, this is a new (completed in 2004) six-story building housing the main collection and temporary exhibition galleries of the family’s Museum of Modern Art;
The Abby Aldrich Rockefeller Sculpture Garden – Completed in 1949 by David, this is a major outdoor feature of the Museum of Modern Art;
The Abby Aldrich Rockefeller Folk Art Museum – Opened in 1957 by Junior, this is a leading folk art museum within the complex of Junior’s Colonial Williamsburg;
The Abby Aldrich Rockefeller Hall – The freshman residence hall on the campus of Spelman College;
The Laura Spelman Rockefeller Memorial Building – Completed in 1918, it is among other things a student residence hall at Spelman College, after the wife of Senior and after whom the College was named;
The Rockefeller State Park Preserve – Part of the 3,400-acre (14 km2) family estate in Westchester County, this 1,233-acre (5 km2) preserve was officially handed over to New York State in 1983, although it had previously always been open to the public;
The Marsh-Billings-Rockefeller National Historical Park – Established as a historical museum of conservation by Laurance during the 1990s.
The John D. Rockefeller, Jr. Memorial Parkway – Established in 1972 through Congressional authorization, connecting Yellowstone and Grand Teton National Parks;
The Rockefeller Forest – Funded by Junior, this is located within Humboldt Redwoods State Park, California’s largest redwood state park;
Either of two US congressional committees {in 1972 – John D. 3rd and 1975 – Nelson dubbed the Rockefeller Commission}.
Rockefeller Park, a scenic park featuring gardens dedicated to several world nations along Martin Luther King, Jr. Blvd. between University Circle and Lake Erie in Cleveland.
The Winthrop Rockefeller Institute of the University of Arkansas System was established in 2005 with a grant from the Winthrop Rockefeller Charitable Trust. The educational center with conference and lodging facilities is located on Petit Jean Mountain near Morrilton, Arkansas, on the original grounds of Gov. Winthrop Rockefeller’s model cattle farm.
The David Rockefeller Center for Latin American Studies at Harvard University.
John D Junior, through his son Nelson, purchased and then donated the land upon which sits the UN headquarters, in New York, in 1946. Earlier, in the 1920s, he had also donated a substantial amount towards the restoration and rehabilitation of major buildings in France after World War I, such as the Rheims Cathedral, the Fontainebleau Palace and the Palace of Versailles, for which he was later (1936) awarded France’s highest decoration, the Grand Croix of the Legion d’Honneur (subsequently also awarded decades later to his son, David Rockefeller).
He also funded the notable excavations at Luxor in Egypt, as well as establishing a Classical Studies School in Athens. In addition, he provided the funding for the construction of the Palestine Archaeological Museum in East Jerusalem – the Rockefeller Museum.[28]
For all of the above reasons, the family and its far reaching philanthropy, and its oil, real estate, banking, and international institutions is still considered today to be America’s greatest family. It is also a benchmark for extreme wealth (”as rich as Rockefeller”), as “Senior” is still regarded as the wealthiest man who has ever lived, worth over $300 billion in today’s figures, easily surpassing Bill Gates, in terms adjusted by inflation indexing.[29]
THE FEDERAL TRADE COMMISSION ACT (FTC ACT) OF 1914 IS A UNITED STATES FEDERAL LAW AT 15 U.S.C. § 41 ET SEQ. WHICH PROHIBITS UNFAIR METHODS, ACTS, AND PRACTICES OF COMPETITION IN INTERSTATE COMMERCE AS WELL AS CREATED THE FEDERAL TRADE COMMISSION (FTC), A BIPARTISAN COMMISSION OF FIVE PRESIDENTIAL APPOINTEES, CONFIRMED BY THE SENATE, TO POLICE VIOLATIONS OF THE ACT.
THE FEDERAL TRADE COMMISSION (FTC) IS A UNITED STATES INDEPENDENT AGENCY THAT WAS FORMED IN 1914. THE FTC PROMOTES “CONSUMER PROTECTION” BY REGULATING DECEPTIVE ACTS AND PRACTICES AND ANTICOMPETITIVE BEHAVIOR BY BUSINESSES. WHEN A RULE IS VIOLATED, THE FTC CAN INITIATE CIVIL PROCEEDINGS IN A FEDERAL DISTRICT COURT TO OBTAIN INJUNCTIVE RELIEF AND CIVIL DAMAGES.
THE MAGNUSON-MOSS WARRANTY ACT OF 1975 IS A UNITED STATES FEDERAL LAW AT 15 U.S.C. § 2301 ET SEQ. WHICH GOVERNS WARRANTIES ON CONSUMER PRODUCTS.
THE CODE OF FEDERAL REGULATIONS (CFR) IS A SET OF BOOKS PUBLISHED BY THE FEDERAL GOVERNMENT WHICH CONTAINS THE REGULATIONS OF FEDERAL AGENCIES CURRENTLY IN EFFECT. THE CFT IS PUBLISHED IN THE FEDERAL REGISTER BY THE EXECUTIVE DEPARTMENTS AND AGENCIES OF THE FEDERAL GOVERNMENT OF THE UNITED STATES. THE CFR IS PUBLISHED BY THE OFFICE OF THE FEDERAL REGISTER, AN AGENCY OF THE NATIONAL ARCHIVES AND RECORDS ADMINISTRATION (NARA).
CFR IS DIVIDED INTO 50 TITLES THAT REPRESENT BROAD AREAS SUBJECT TO FEDERAL REGULATION.
LIST OF REGULATION TITLES
TITLE 1: GENERAL PROVISIONS
TITLE 2: GRANTS AND AGREEMENTS
TITLE 3: THE PRESIDENT
TITLE 4: ACCOUNTS
TITLE 5: ADMINISTRATIVE PERSONNEL
TITLE 6: HOMELAND SECURITY
TITLE 7: AGRICULTURE
TITLE 8: ALIENS AND NATIONALITY
TITLE 9: ANIMALS AND ANIMAL PRODUCTS
TITLE 10: ENERGY
TITLE 11: FEDERAL ELECTIONS
TITLE 12: BANKS AND BANKING
TITLE 13: BUSINESS CREDIT AND ASSISTANCE
TITLE 14: AERONAUTICS AND SPACE (ALSO KNOWN AS THE FEDERAL AVIATION REGULATIONS, ADMINISTERED BY THE FEDERAL AVIATION ADMINISTRATION)
TITLE 15: COMMERCE AND FOREIGN TRADE
TITLE 16: COMMERCIAL PRACTICES
TITLE 17: COMMODITY AND SECURITIES EXCHANGES
TITLE 18: CONSERVATION OF POWER AND WATER RESOURCES
TITLE 19: CUSTOMS DUTIES
TITLE 20: EMPLOYEES’ BENEFITS
TITLE 21: FOOD AND DRUGS (ADMINISTERED BY THE US FOOD AND DRUG ADMINISTRATION AND THE US DRUG ENFORCEMENT ADMINISTRATION)
TITLE 22: FOREIGN RELATIONS
TITLE 23: HIGHWAYS
TITLE 24: HOUSING AND URBAN DEVELOPMENT
TITLE 25: INDIANS
TITLE 26: INTERNAL REVENUE
TITLE 27: ALCOHOL, TOBACCO PRODUCTS AND FIREARMS
TITLE 28: JUDICIAL ADMINISTRATION
TITLE 29: LABOR
TITLE 30: MINERAL RESOURCES
TITLE 31: MONEY AND FINANCE: TREASURY
TITLE 32: NATIONAL DEFENSE
TITLE 33: NAVIGATION AND NAVIGABLE WATERS
TITLE 34: EDUCATION
TITLE 35: RESERVED (FORMERLY PANAMA CANAL)
TITLE 36: PARKS, FORESTS, AND PUBLIC PROPERTY
TITLE 37: PATENTS, TRADEMARKS, AND COPYRIGHTS
TITLE 38: PENSIONS, BONUSES, AND VETERANS’ RELIEF
TITLE 39: POSTAL SERVICE
TITLE 40: PROTECTION OF ENVIRONMENT (ADMINISTERED BY THE UNITED STATES ENVIRONMENTAL PROTECTION AGENCY)
TITLE 41: PUBLIC CONTRACTS AND PROPERTY MANAGEMENT
TITLE 42: PUBLIC HEALTH
TITLE 43: PUBLIC LANDS: INTERIOR
TITLE 44: EMERGENCY MANAGEMENT AND ASSISTANCE
TITLE 45: PUBLIC WELFARE
TITLE 46: SHIPPING
TITLE 47: TELECOMMUNICATION
TITLE 48: FEDERAL ACQUISITION REGULATIONS SYSTEM
TITLE 49: TRANSPORTATION
TITLE 50: WILDLIFE AND FISHERIES
ACCELERATION IS A CLAUSE COMMONLY INCLUDED IN MORTGAGES PERMITTING A CREDITOR TO EXERCISE ITS CONTRACTUAL RIGHT TO DEMAND THAT THE TOTAL UNPAID BALANCE OF A LOAN BE REPAID IMMEDIATELY UPON DEFAULT. THIS IS USUALLY THE RESULT OF THE BORROWER BECOMING DELINQUENT ON THE LOAN OR TRANSFERRING TITLE TO ANOTHER PERSON WITHOUT INFORMING THE LENDER. IF A HOME MORTGAGE UNDERGOES ACCELERATION, THE CREDITOR WILL SEND A LETTER STATING THE MORTGAGE HAS BEEN “ACCELERATED.”
AMORTIZE MEANS THE REPAYMENT OF A LOAN WITH REGULAR PAYMENT INTERVALS WHEREBY A PORTION OF EACH PAYMENT PAYS INTEREST AND A PORTION PAYS PRINCIPAL. THE INTEREST PORTION DECREASES AS THE LOAN BALANCE DECREASES OVER TIME THEREBY INCREASING THE AMOUNT APPLIED TO PRINCIPAL OVER TIME.
AMOUNT FINANCED MEANS A CREDIT OR ADVANCE MADE BY A LENDER THE CONSUMER IN A LOAN. THE AMOUNT FINANCED IS USUALLY THE LOAN PRINCIPAL MINUS FINANCE CHARGES.
ANSWER MEANS, WHEN REFERRING TO A LAWSUIT, A DOCUMENT THAT A DEFENDANT IS REQUIRED TO FILE IN RESPONSE TO THE CLAIMS BEING RAISED IN THE LAWSUIT.
APPRAISAL MEANS THE ESTIMATE OF A PROPERTY VALUE AS OF A SPECIFIC DATE. AN “APPRAISER” IS THE TRAINED PROFESSIONAL THAT MAKES THE APPRAISAL.
ARREARS MEANS THE CONDITION OF THE PORTION OF A DEBT REMAINING UNPAID FOLLOWING MATURITY SUCH AS AN ACCUMULATION OF PAST-DUE MONTHLY PAYMENTS.
ASSIGNMENT MEANS THE TRANSFER OF A LOAN OR DEBT FROM ONE PARTY TO ANOTHER.
AN ATTACHMENT IS A LEGAL TERM MEANING THAT A LIEN IS “ATTACHED” TO A CONSUMER’S PROPERTY. THIS IS ACHIEVED THROUGH A LEGAL ACTION TO SEIZE PROPERTY AND HOLD IT AS SECURITY FOR A JUDGMENT.
AUTOMATED CLEARING HOUSE (ACH) IS AN ELECTRONIC NETWORK FOR FINANCIAL TRANSACTIONS IN THE UNITED STATES. ACH PROCESSES LARGE VOLUMES OF BOTH CREDIT AND DEBIT TRANSACTIONS INCLUDING DIRECT DEPOSIT PAYROLL AND VENDOR PAYMENTS. A
AN AUTOMATIC STAY IS A PROVISION IN BANKRUPTCY WHICH PROHIBITS ANY CREDITOR FORM CONTINUING COLLECTION ACTIVITY OF A DEBT INCLUDED IN A CH11 BANKRUPTCY.
BALLOON PAYMENT MEANS A FINAL LUMP-SUM LOAN PAYMENT WHICH MAY BE AN AMOUNT SIGNIFICANTLY LARGER THAN THE AMORTIZED PAYMENTS DUE AT THE TERMINATION OF A LOAN.
A BANK IS A FINANCIAL INSTITUTION WHICH ACCEPTS DEMAND DEPOSITS, MAKES LOANS, AND PERFORMS OTHER SERVICES FOR ITS CUSTOMERS.
IN LEGAL TERMS, A BOND IS AN AMOUNT THAT A COURT ORDER REQUIRES TO PROTECT A PARTY TO A LAWSUIT WHILE THE CASE PROCEEDS OR TO PURSUE AN APPEAL.
A BROKER’S PRICE OPINION (BPO) IS A TYPE OF HOME APPRAISAL THAT IS OBTAINED BY A MORTGAGE SERVICER WHEREBY THE PROBABLE SELLING PRICE OF THE HOME IS ESTIMATED. A BPO CAN BE BASED ON A DRIVE-BY EXTERIOR APPRAISAL, PUBLIC DATA, AND RECENT COMPARABLE HOME DATA. A BPO COSTS LESS THAN AN APPRAISAL AND MAY BE DONE BY THE MORTGAGE SERVICER ONCE THE LOAN IS IN DEFAULT OR IF THE LOAN IS BEING MODIFIED. A BPO HAS SIMILARITIES TO A COMPARATIVE MARKET ANALYSIS CMA AND A RESIDENTIAL REAL ESTATE APPRAISAL.
CAP IS THE LIMIT, OR CEILING, ON HOW MUCH THE APR ON A LOAN MAY BE ADJUSTED.
CAPITALIZATION, WHEN USED IN CONTEXT WITH A LOAN, DESCRIBES THE MODIFICATION OF A DELINQUENT LOAN BY ADDING EARNED BUT UNCOLLECTED INTEREST TO THE LOAN BALANCE THROUGH A REAMORTIZATION OF THE PRINCIPAL.
CHECK CASHING IS A WAY FOR A PERSON WITHOUT A CHECKING ACCOUNT TO TURN A CHECK INTO CASH.
CLOSING ON A LOAN OCCURS WHEN THE BORROWER SIGNS THE PAPERS THAT OBLIGATE HIM OR HER TO THE LOAN, THEREBY CONSUMMATING THE TRANSACTION. THIS IS ALSO KNOWN AS A SETTLEMENT.
CLOSING AGENT IS A PERSON REPRESENTING THE LENDER WHO CONDUCTS THE MORTGAGE CLOSING OR SETTLEMENT.
CLOSING COSTS ARE EXPENSES ASSOCIATED WITH THE FINANCING AND TITLE TRANSFER OF REAL ESTATE AT CLOSING OR SETTLEMENT.
A CONFORMING LOAN MORTGAGE COMPLIES WITH REGULATORY LIMITS SUCH AS LOAN-TO-VALUE RATIO, TERM AND OTHER CHARACTERISTICS.
COMPENSATORY DAMAGES, ALSO CALLED ACTUAL DAMAGES, ARE PAID TO COMPENSATE THE CLAIMANT FOR LOSS, INJURY, OR HARM SUFFERED BY ANOTHER’S BREACH OF DUTY.
A COMPLAINT IS A FORMAL DOCUMENT THAT BEGINS A LAWSUIT
A CONVENTIONAL LOAN IS A MORTGAGE THAT IS NOT INSURED OR FUNDED BY THE VETERANS ADMINISTRATION (VA), THE FEDERAL HOUSING ADMINISTRATION (FHA) OR RURAL ECONOMIC COMMUNITY DEVELOPMENT (RECD) (FORMERLY FARMERS HOME ADMINISTRATION). BORROWERS WITH EXCELLENT AND GOOD CREDIT QUALIFY FOR CONVENTIONAL LOANS.
CORPORATE FINANCE IS THE APPLICATION OF THE PRINCIPLES OF FINANCE DEALING WITH THE FINANCIAL DECISIONS CORPORATIONS MAKE.
COSIGNER IS A PERSON WHO AGREES TO BE LEGALLY RESPONSIBLE FOR AND LEGALLY OBLIGATED TO ANOTHER PERSON’S DEBT.
COUNTERCLAIM IS A DEFENDANT’S CLAIM FILED IN OPPOSITION TO OR IN RESPONSE TO A LAWSUIT RAISING LEGAL CLAIMS AGAINST THE PLAINTIFF.
CREDIT INSURANCE IS INSURANCE THAT PROTECTS A CONSUMER’S LOAN. CREDIT LIFE INSURANCE OR DISABILITY INSURANCE PURCHASED BY THE BORROWER PAYS THE CREDITOR IN THE EVENT THE BORROWER SUFFERS AN ACCIDENT – OR PERMANENT DISABILITY – OR DIES BEFORE THE DEBT IS REPAID.
IN LAW, DAMAGES ARE MONEY CLAIMED BY, OR ORDERED TO BE PAID TO, A PERSON AS COMPENSATION FOR LOSS OR INJURY.
DEBT CONSOLIDATION IS THE REFINANCING OF DEBT OR LIABILITIES INTO A NEW LOAN WHICH PROVIDES BETTER TERMS THAN THE ORIGINAL DEBT.
A DEBT-TO-INCOME RATIO (DTI RATIO) MEASURES THE RELATIONSHIP BETWEEN A PERSON’S MONTHLY DEBT PAYMENTS AND THE MONTHLY INCOME, EXPRESSED AS A RATIO. IT INDICATES WHAT PERCENTAGE OF A PERSON’S MONTHLY INCOME GOES TOWARD PAYING DEBTS.
A DEBT SETTLEMENT SERVICE IS PROVIDED BY A COMPANY THAT COLLECTS REGULAR MONTHLY PAYMENTS FROM A CUSTOMER UNTIL ENOUGH MONEY HAS ACCUMULATED FOR THE DEBT SETTLEMENT COMPANY TO SETTLE THE DEBT FOR LESS THAN THE FULL AMOUNT OWED. DEBT SETTLEMENT IS DIFFERENT FROM DEBT MANAGEMENT.
A DEBT MANAGEMENT PLAN IS A METHOD FOR PAYING PERSONAL, UNSECURED DEBTS THROUGH A CREDIT COUNSELING AGENCIY. THE CREDIT COUNSELING AGENCY TYPICALLY RECEIVES MONTHLY DEBT PAYMENTS FROM THE CONSUMER AND THEN DISTRIBUTES THOSE PAYMENTS AMONG THE CREDITORS ON REPAYMENT TERMS THAT ARE USUALLY MORE REALISTIVALLY AFFORDABLE BY THE DEBTOR.
A DEED IS A LEGAL INSTRUMENT THAT TRANSFERS OF A PIECE OF PROPERTY FROM THE SELLER TO THE BUYER UPON CLOSING.
A DEFAULT JUDGMENT IS A SPECIFIC TYPE OF JUDGMENT OBTAINED IN A LAWSUIT WHEN ONE OF THE PARTIES DID NOT MEET THE LEGAL REQUIREMENTS OF THE CASE.
A DEFAULT RATE IS THE RATE DISCLOSED AT THE TIME OF ENGAGING IN A CONTRACT THAT THE LENDER WILL CHARGE IF THE DEBTOR DEFAULTS ON THE LOAN.
A DEFENDANT IS A PERSON, BUSINESS, OR ENTITY BEING SUED.
A DEFENSE, IN A LAWSUIT, IS A LEGAL REASON FOR WHY A COURT SHOULD NOT AWARD ANY OR ALL OF WHAT IS REQUIRED IN A LAWSUIT.
DEFICIENCY IN THE CONTEXT OF A FORECLOSURE OR REPOSSESSION MEANS THE AMOUNT OF THE DEBT THAT THE DEBTOR STILL OWES THE CREDITOR AFTER THE CREDITOR HAS SEIZED AND SOLD THE ASSET.
A DEFICIENCY JUDGMENT IS A COURT ORDER THAT AUTHORITIES THE COLLECTION FROM THE DEBTOR OF THE AMOUNT OF THE DEBT THAT THE DEBTOR STILL OWES THE CREDITOR AFTER THE CREDITOR HAS SEIZED AND SOLD THE ASSET.
A DEPOSITION IS A PROCEEDING IN A LEGAL CASE WHERE A PERSON GIVES TESTIMONY UNDER OATH ABOUT RELEVANT FACTS.
DEREGULATION IN REGARDS TO THE LENDING INDUSTRY IS A TERM THAT WAS COINED IN THE 1980S WHEN THERE WAS A SIMPLIFICATION OF LENDING REGULATIONS.
DIRECT DEPOSIT IS A BANKING TERM USED TO REFER TO THE TRANSFER MONEY VIA THE AUTOMATED CLEARING HOUSE.
A DISCHARGE IS A BANKRUPTCY DOCUMENT THAT TERMINATES A DEBTOR’S LEGALLY ENFORCEABLE OBLIGATION TO REPAY A DEBT
DISCLOSURE STATEMENT COMMONLY REFERS TO A DOCUMENT GIVEN BY A LENDER TO A CUSTOMER THAT EXPLAINS LOAN TERMS REGULATED BY THE TRUTH-IN-LENDING ACT.
DISCOVERY REFERS TO A NUMBER OF LEGAL PROCESSES BY WHICH THE PARTIES TO A LAWSUIT OBTAIN INFORMATION FROM EACH OTHER AND DOCUMENTS RELATED TO THE CASE.
DOWNPAYMENT IS MONEY PAID TO A SELLER WHICH MAKES UP THE DIFFERENCE BETWEEN THE PURCHASE PRICE AND THE LOAN AMOUNT.
EARNED INCOME COMES FROM A PERSON’S PERSONAL EFFORTS, FROM WORK, FROM SERVICES RENDERED OR FROM GOODS PRODUCED AND SOLD. IT MAY ALSO INCLUDE PENSION AND ANNUITY INCOME, WHICH IS BASED ON INCOME THAT WAS PREVIOUSLY EARNED.
EMINENT DOMAIN IS THE RIGHT A GOVERNMENT HAS TO TAKE PRIVATE PROPERTY FOR PUBLIC USE UPON PAYMENT OF ITS FAIR MARKET VALUE. EMINENT DOMAIN IS THE BASIS FOR CONDEMNATION PROCEEDINGS.
EQUITY STRIPPING, ALSO KNOWN AS EQUITY SKIMMING, IS A FORM OF PREDATORY LENDING. LOAN TERMS ON MORTGAGES (USUALLY REFINANCES) DESIGNED TO MAXIMIZE THE LENDER’S REVENUES BY INCREASING THE BORROWER’S LOAN BALANCE; THIS PRACTICE REDUCES OR “SKIMS” THE BORROWER’S EQUITY IN THE HOME.
ESCROW IS MONEY SET ASIDE FOR A PARTICULAR PURPOSE WITH A THIRD PARTY FOR SAFEKEEPING. A FORMAL ESCROW USUALLY REQUIRES A LEGAL AGREEMENT THAT COVERS PERMISSIBLE USAGE OF THE ESCROW, SUCH AS EARNEST MONEY, AND HOW THE MONEY IS TO BE KEPT.
ESCROW CLOSING OR SETTLEMENT IS A TYPE OF CLOSING FACILITATED BY AN ESCROW AGENT WHERE THE HOME IS FINANCED, THE MORTGAGE IS SIGNED, THE BUYER PAYS THE MORTGAGE, AND CLOSING COSTS ARE PAID.
EVICTION IS THE LAWFUL PROCESS OF TERMINATING THE RIGHT TO OCCUPY REAL PROPERTY.
EXECUTION IS THE FORMAL PROCESS OF ENFORCING A COURT JUDGMENT.
EXEMPT PROPERTY IS PROPERTY THAT THE OWNER IS ALLOWED TO LEGALLY KEEP. EXEMPT PROPERTY IS PROTECTED FROM BEING USED TO SATISFY AN UNSECURED CREDITOR CLAIM WHEN YOU ARE BEING FACED WITH COLLECTION ON AN UNSECURED DEBT. IN BANKRUPTCY, EXEMPT PROPERTY IS PROTECTED FROM SALE TO SATISFY THE CLAIMS OF CREDITORS.
EXEMPTIONS ARE LAWS THAT GIVE A PERSON THE RIGHT TO KEEP EXEMPT PROPERTY.
EXPLODING ARM (EXPLODING ADJUSTABLE RATE MORTGAGE). A COMMON TYPE OF “HYBRID” ARM IN THE SUBPRIME MARKET THAT CONTAINS BOTH A FIXED- AND ADJUSTABLE-INTEREST RATE COMPONENT. AN EXAMPLE IS A “2/28” HYBRID ARM THAT COMES WITH AN INITIAL SHORT-TERM FIXED INTEREST RATE FOR TWO YEARS, FOLLOWED BY RATE ADJUSTMENTS, GENERALLY IN SIX-MONTH INCREMENTS FOR THE REMAINDER OF THE LOAN’S TERM, WHICH IS 28 YEARS. EXPLODING ARMS USUALLY CARRY ARTIFICIALLY LOW, OR TEASER, INTRODUCTORY RATES, WHICH GIVE HOMEOWNERS A DRAMATIC INCREASE IN HOUSING COSTS AFTER THE INTRODUCTORY PERIOD EXPIRES.
FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) IS AN INDEPENDENT GOVERNMENT AGENCY CREATED BY THE GLASS-STEAGALL ACT OF 1933 TO MAINTAIN FINANCIAL STABILITY AND PUBLIC CONFIDENCE IN THE NATION’S BANKING SYSTEM. IT PROVIDES DEPOSIT INSURANCE UP TO $250,000 PER DEPOSITOR PER BANK.
THE FEDERAL RESERVE BOARD (FED) IS THE CENTRAL BANK OF THE UNITED STATES. IT WAS CREATED IN 1913 BY THE ENACTMENT OF THE FEDERAL RESERVE ACT. CONGRESS WANTED TO PROVIDE THE NATION WITH A SAFER, MORE FLEXIBLE, AND MORE STABLE MONETARY AND FINANCIAL SYSTEM. THE FED CONDUCTS US MONETARY POLICY AND REGULATES COMMERCIAL BANKS AND THRIFTS WITH THE SUPPORT OF ITS 12 REGIONAL BANKS.
A FEDERAL LAW IS A LAW OF THE UNITED STATES, CREATED BY THE FEDERAL GOVERNMENT, WHICH APPLIES THROUGHOUT THE COUNTRY
A FEE, WHEN REFERRING TO A LOAN, IS ANY CHARGE ADDED TO A LOAN.
FINANCE IS THE SCIENCE OF FUNDS MANAGEMENT WHICH INVOLVES SAVING MONEY AND BUDGETING.
A FINANCE COMPANY IS A COMPANY ENGAGED IN PROVIDING FINANCIAL SERVICES TO AN INDIVIDUAL OR BUSINESS SUCH AS THE MAKING OF LOANS. A FINANCE COMPANY DIFFERS FROM A BANK BECAUSE IT DOES NOT RECEIVE DEPOSITS FROM THE PUBLIC.
A FIXED-RATE MORTGAGE IS A MORTGAGE WHICH CONTAINS AN INTEREST RATE THAT IS SET FOR THE TERM OF THE LOAN. THE RATE CANNOT CHANGE.
LOAN FLIPPING REFERS TO THE PRACTICE OF A HOMEOWNER REFINANCING THE MORTGAGE WITHOUT A NET BENEFIT BEING PROVIDED TO THE HOMEOWNER. SOME BORROWERS MAY PULL OUT CASH DURING A LOAN FLIP, BUT THE BENEFIT OF THIS COMPENSATION MAY BE OUTWEIGHED BY THE COSTS OF LOSING EQUITY OR TAKING ON UNAFFORDABLE DEBT.
FORCE-PLACED INSURANCE IS A TYPE OF COLLATERAL PROTECTION INSURANCE POLICY A LENDER WILL “FORCE” A CUSTOMER TO PURCHASE IF THE CUSTOMER’S INSURANCE IS CANCELLED OR IF THE LENDER DOES NOT HAVE PROOF OF THE CUSTOMER’S INSURANCE COVERAGE. FORCE-PLACED INSURANCE IS TYPICALLY MORE EXPENSIVE THAN REGULAR INSURANCE.
A FORECLOSURE RESCUE SCAM TARGETS THOSE HOMEOWNERS WHO HAVE FALLEN BEHIND ON THEIR MORTGAGE PAYMENTS AND FACING POTENTIAL FORECLOSURE. THE HOMEOWNER IS LED TO BELIEVE THAT THE “RESCUER” WILL HELP SAVE THEIR HOME BUT THE RESCUER IS ACTUALLY INTENT ON STEALING THE HOME OR MOST OF ITS ACCUMULATED EQUITY. THIS SCAM USUALLY RESULTS IN THE HOMEOWNER LOSING HIS OR HER HOME.
A FRAUDULENT TRANSFER OR FRAUDULENT CONVEYANCE IS A CIVIL CAUSE OF ACTION WHEREBY A DEBTOR GIVES AWAY PROPERTY TO KEEP IT OUT OF THE HANDS OF CREDITORS, USUALLY IN A BANKRUPTCY. THE CREDITOR MAY BE ABLE TO SUE AND GET THE PROPERTY BACK.
GINNIE MAE IS THE NICKNAME FOR GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA).
A GOOD FAITH ESTIMATE (GFE) IS AN ESTIMATION OF THE TOTAL CLOSING COSTS THAT A LENDER OR BROKER IS REQUIRED TO PROVIDE TO THE CUSTOMER WITHIN THREE BUSINESS DAYS OF APPLYING FOR A LOAN. THE GFE IS REQUIRED BY RESPA AND IS INTENDED TO ASSURE THAT A CUSTOMER HAS ADEQUATE INFORMATION ABOUT CLOSING COSTS EARLY ENOUGH THAT THE CUSTOMER CAN SHOP FOR THOSE COSTS, AS WELL AS INTEREST RATES.
A GRACE PERIOD IS A SPECIFIED PERIOD ON A LOAN AFTER THE REGULAR PAYMENT DUE DATE WHERE NO LATE CHARGE OR OTHER PENALTY IS ASSESSED ON TARDY PAYMENTS.
A GUARANTOR IS A PERSON OR ENTITY WHO AGREES TO REPAY ANOTHER PERSON’S DEBT IN THE EVENT THE BORROWER DEFAULTS. THE TERM GUARANTOR IS OFTEN USED INTERCHANGEABLY WITH COSIGNER, EVEN THOUGH THERE ARE SOME MINOR LEGAL DISTINCTIONS IN THE COLLECTION PROCESS
A GOVERNMENT MORTGAGE GUARANTOR IS A SPECIAL GOVERNMENT PROGRAM WHICH PROVIDES MORTGAGE INSURANCE OR GUARANTEES TO A LENDER THAT MAKES PURCHASE-MONEY MORTGAGE LOANS TO HOMEOWNERS WHO MEET CERTAIN CRITERIA. THIS PROGRAM IS EITHER OFFERED THROUGH THE FEDERAL GOVERNMENT (THE FEDERAL HOUSING ADMINISTRATION, PART OF THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT; THE RURAL HOUSING SERVICE, PART OF THE DEPARTMENT OF AGRICULTURE; AND THE VETERANS ADMINISTRATION) OR THROUGH A STATE HOUSING FINANCE AGENCY.
HAZARD INSURANCE IS INSURANCE REQUIRED BY A LENDER THAT A BORROWER MUST OBTAIN WHICH COVERS AGAINST PROPERTY LOSS OR DAMAGE.
THE MORTGAGE HOLDER “OWNS” THE BORROWERS’ MORTGAGE. A MORTGAGE MAY BE ASSIGNED BY THE ORIGINATOR TO A PURCHASER ON THE SECONDARY MARKET, THUS MAKING THE MORTGAGE HOLDER A DIFFERENT BANK OR MORTGAGE COMPANY THAN THE ONE THAT MADE THE LOAN.
A HOME EQUITY LOAN IS A LOAN BACKED BY THE BORROWER’S RESIDENCE THAT IS NOT USED TO FINANCE THE PURCHASE OF THE HOME.
HOEPA
A HOMESTEAD EXEMPTION IS A HOMEOWNERSHIP PROTECTION RIGHT, AVAILABLE IN MOST STATES AND IN THE BANKRUPTCY PROCESS, THAT “EXEMPTS” A HOMEOWNER’S PRIMARY RESIDENCE FROM BEING SOLD TO SATISFY THE CLAIMS OF AN UNSECURED CREDITOR.
AN INDEX IS A PUBLISHED INTEREST RATE OFTEN USED TO ESTABLISH THE INTEREST RATE CHARGED ON ADJUSTABLE RATE MORTGAGES OR TO COMPARE INVESTMENT RETURNS. TREASURY BILL RATES, THE PRIME RATE, AND LIBOR (THE LONDON INTERBANK OFFERED RATE) ARE SOME COMMON INDEXES.
INTEREST IS THE COST OVER TIME OF BORROWING MONEY THAT BELONGS TO ANOTHER. INTEREST RATES ARE EXPRESSED AS A PERCENTAGE.
A MORTGAGE INVESTOR IS A COMPANY THAT INVESTS IN MORTGAGES THAT OTHER COMPANIES HAVE ORIGINATED WITH THE INTENTION OF REALIZING AN APPRECIATION ON THE INVESTMENT. A MORTGAGE INVESTOR MAY PURCHASE A MORTGAGE FOR A SET AMOUNT AND COLLECT MONTHLY PAYMENTS, USUALLY THROUGH A SERVICER.
INSOLVENT IS THE CONDITION OF NOT HAVING SUFFICIENT ASSETS TO PAY ITS DEBTS WHEN THEY ARE DUE.
A JUDGMENT IS A DECISION BY A COURT AS TO THE OUTCOME OF A LAWSUIT AND ANY MONEY OWED
A JUDGMENT LIEN IS A COURT ORDERED LIEN ATTACHED TO PROPERTY AS THE RESULT OF A JUDGMENT.
A PERSON IS JUDGMENT-PROOF WHEN HIS ASSETS ARE SO MINIMAL THAT IT IS DIFFICULT OR SOMETIMES IMPOSSIBLE FOR ANY CREDITOR TO FORCE THE REPAYMENT OF A DEBT.
A JUMBO LOAN, ALSO CALLED A NONCONFORMING LOAN, IS A LOAN THAT EXCEEDS FANNIE MAE’S AND FREDDIE MAC’S LOAN LIMITS.
A JUNIOR MORTGAGE IS ALSO CALLED A SECOND MORTGAGE. A BORROWER MAY BE ABLE TO USE A JUNIOR MORTGAGE TO OBTAIN ADDITIONAL FUNDS NEEDED FOR DOWNPAYMENT OR CLOSING COSTS. A JUNIOR MORTGAGE LENDER HAS LITTLE OR NO EQUITY IN THE HOME.
A JUNK BOND IS A WALL STREET TERM FOR BONDS WHICH ARE BELOW INVESTMENT GRADE (BELOW THE TOP FOUR RATINGS) BY AGENCIES THAT RATE BONDS.
A KICKBACK IS ANY MONEY OR CONSIDERATION PAID BY A REAL ESTATE SETTLEMENT SERVICE PROVIDER SUCH AS A LENDER, TITLE COMPANY, OR CLOSING ATTORNEY, FOR REFERRING A CUSTOMER.
LEMON LAWS ARE STATE LAWS THAT GIVE CONSUMER PROTECTION FROM THE PURCHASE AN AUTOMOBILE THAT FAILS TO MEET MINIMUM QUALITY STANDARDS. MOST LEMON LAWS ONLY APPLY TO NEW CARS, BUT SOME ALSO APPLY TO USED CARS.
A LEVY IS A JUDICIAL PROCESS FOR ATTACHMENT OF A JUDGMENT LIEN AND/OR EXECUTION OF THAT LIEN AGAINST A DEBTOR.
A LIEN IS A TYPE OF LEGAL “SECURITY INTEREST” TAKEN BY CREDITORS IN A DEBTOR’S PROPERTY TO SECURE REPAYMENT OF THE DEBT. A LIEN CAN BE CREATED VOLUNTARILY IN CONNECTION WITH A LOAN, SUCH AS WHEN A DEBTOR PLEDGES REAL ESTATE TO BACK A MORTGAGE. A LIEN CAN ALSO BE CREATED WITHOUT THE DEBTOR’S CONSENT BY A COURT ORDERED ATTACHMENT OR JUDGMENT. A CREDITOR WITH A LIEN IS CALLED A SECURED CREDITOR.
LIQUIDATION IS THE SALE OF PROPERTY TO PAY OFF DEBTS TO CREDITORS.
A LOAN APPLICATION IS A FORM USED BY A CREDITOR TO OBTAIN PERSONAL AND FINANCIAL INFORMATION FROM A PROSPECTIVE BORROWER BEFORE DECIDING WHETHER TO MAKE A LOAN.
A BORROWER CAN LOCK A SELECTED INTEREST RATE DURING THE LOAN PROCESS THEREBY BEING GUARANTEED THAT RATE BY THE LENDER. A RATE LOCK IS GOOD FOR ONLY A SPECIFIC NUMBER OF DAYS. THIS IS CALLED “LOCKING” THE RATE.
MANDATORY ARBITRATION PREVENTS A CONFLICT FROM RECEIVING JUDICIAL ATTENTION. A MANDATORY ARBITRATION CLAUSE IN A LOAN CONTRACT WOULD REQUIRE THE BORROWER TO USE ARBITRATION TO RESOLVE ANY LEGAL DISPUTES THAT ARISE WITH THE CREDITOR.
INTEREST MARGIN DESCRIBES THE NUMBER ADDED TO THE INDEX RATE TO DETERMINE THE INTEREST RATE ON AN ADJUSTABLE RATE MORTGAGE. FOR EXAMPLE, IF THE INDEX RATE IS 4%, AND THE CURRENT NOTE RATE IS 8.25%, THE MARGIN IS 4.25%.
MARK-TO-MARKET IS AN ACCOUNTING PROCEDURE ALLOWING ASSETS TO BE “MARKED,” OR RECORDED, AT THEIR CURRENT MARKET VALUE, WHICH MAY BE HIGHER OR LOWER THAN THEIR PURCHASE PRICE OR BOOK VALUE.
A MARKET MAKER BUYS OR SELLS FINANCIAL INSTRUMENTS AND SECURITIES AT BID OR ASKING PRICES DURING NORMAL BUSINESS HOURS. A MARKET MAKER ATTEMPTS TO PROFIT FROM THE BID/ASK SPREAD.
MARKET VALUE IS THE HIGHEST PRICE A PIECE OR REAL OR PERSONAL PROPERTY WILL BRING IN A COMPETITIVE AND OPEN MARKET.
A MORTGAGE-BACKED SECURITY IS A TYPE OF ASSET-BACKED SECURITY WHEREBY THE UNDERLYING MONTHLY PAYMENTS ON POOLS OF MORTGAGE LOANS GENERATING THE RETURN TO INVESTORS. MORTGAGES IN THE SECONDARY MORTGAGE MARKET ARE COLLECTED AND PACKAGED AS INVESTMENTS (USUALLY AS BONDS) AND LENDERS ARE ABLE TO GENERATE MORE FUNDS FOR FUTURE LENDING.
A MORTGAGE BROKER IS AN INDIVIDUAL WHO ACTS AS AN INTERMEDIARY TO ARRANGE FINANCING FOR A HOMEOWNER. THE BROKER IS SUPPOSED TO OPERATE AS THE AGENT FOR THE HOMEOWNER, SEEKING THE BEST PRODUCT.
MORTGAGE INSURANCE. SEE PRIVATE MORTGAGE INSURANCE.
A MORTGAGEE IS THE LENDER IN A MORTGAGE TRANSACTION.
A MORTGAGOR IS THE BORROWER IN A MORTGAGE TRANSACTION.
NEGATIVE AMORTIZATION OCCURS WHEN A LOAN PAYMENT DOES NOT COVER THE AMOUNT OF INTEREST DUE FOR THAT PAYMENT PERIOD. THE UNPAID INTEREST IS CALLED “DEFERRED INTEREST” AND IS ADDED TO THE PRINCIPAL BALANCE OF THE LOAN, THUS MAKING THE PRINCIPAL BALANCE LARGER INSTEAD OF SMALLER. NEGATIVE AMORTIZATION MAY BE ASSOCIATED WITH PAYMENT-OPTION ARMS OR LOANS WITH LARGE BALLOON PAYMENTS DUE IN THE LAST MONTH OF THE LOAN.
NEGATIVE CASH FLOW OCCURS WHEN THE EXPENSES REQUIRED TO MAINTAIN AN INVESTMENT EXCEED INCOME RECEIVED ON THE INVESTMENT.
A NON-PURCHASE MONEY SECURITY INTEREST ARISES WHEN A DEBTOR AGREES TO GIVE A LENDER COLLATERAL THAT WAS NOT PURCHASED WITH MONEY FROM THAT LOAN.
NON-SUFFICIENT FUNDS (NSF) IS A BANKING TERM WHEN A CHECK CANNOT BE HONORED BECAUSE THE ACCOUNT HAD INSUFFICIENT FUNDS AVAILABLE. FEES ARE CHARGED BY THE BANK FOR NON-SUFFICIENT FUNDS (NSF) WHEN A CHECKING ACCOUNT IS OVERDRAWN. NSF FEES DIFFER FROM OVERDRAFT FEES, WHICH ARE CHARGED FOR THE EXTENSION OF A LOAN USING BANK FUNDS TO COVER THE AMOUNT YOU WOULD HAVE OVERDRAWN.
NOTICE OF RIGHT TO CANCEL IS A DOCUMENT EXPLAINING A CUSTOMER’S RIGHT TO CANCEL A LOAN IN SOME CIRCUMSTANCES.
A NOTICE TO QUIT OR NOTICE TO VACATE IS A NOTICE GIVEN BY A LANDLORD DEMANDING THAT A TENANT LEAVE WITHIN A SPECIFIED PERIOD OF TIME OR FACE LEGAL EVICTION PROCEEDINGS.
THE OFFICE OF THE COMPTROLLER OF CURRENCY (OCC) IS A FEDERAL AGENCY THAT CHARTERS, REGULATES AND SUPERVISES ALL NATIONAL BANKS. IT ALSO SUPERVISES ALL FEDERAL BRANCHES AND AGENCIES OF FOREIGN BANKS.
THE OFFICE OF THRIFT SUPERVISION (OTS) IS A DIVISION OF THE U.S. TREASURY DEPARTMENT. THE OTS IS RESPONSIBLE FOR THE EXAMINATION AND REGULATION OF FEDERALLY CHARTERED AND STATE CHARTERED SAVINGS AND LOANS.
OPERATING CAPITAL REFERS TO THE FUNDS AVAILABLE FOR USE IN FINANCING THE DAY-TO-DAY ACTIVITIES OF A BUSINESS.
AN ORIGINATION FEE IS A FEE PAID TO A LENDER FOR PROCESSING A LOAN APPLICATION STATED AS A PERCENTAGE OF THE MORTGAGE AMOUNT, OR “POINTS.” ONE POINT EQUALS ONE PERCENT OF THE LOAN AMOUNT.
THE ORIGINATOR IS THE LENDER THAT MAKES THE LOAN AND WHOSE NAME APPEARS ON THE LOAN DOCUMENTS.
AN OVERDRAFT LOAN, ALSO CALLED BOUNCE-CHECK PROTECTION OR COURTESY OVERDRAFT PROTECTION, IS A HIGH-COST, SHORT-TERM CREDIT, PROVIDED BY A LENDER OR FINANCIAL INSTITUTIONS THAT COVERS THE SHORTAGE OF FUNDS CREATED WHEN A CUSTOMER OVERDRAFTS AN ACCOUNT TO CREATE A NEGATIVE BALANCE. AN OVERDRAFT LOAN IS EXEMPTED FROM FEDERAL TRUTH-IN-LENDING ACT INTEREST RATE DISCLOSURE REQUIREMENTS AND CAN CONTRIBUTE TO A DEVASTATING CYCLE OF DEBT.
A PAYDAY LOAN (ALSO CALLED “CASH ADVANCES,” “DEFERRED PRESENTMENT,” “DEFERRED DEPOSITS,” OR “CHECK LOANS”) IS A SHORT-TERM LOAN DESIGNED TO COVER A BORROWER’S EXPENSES UNTIL THE NEXT PAYDAY. A PAYDAY LOAN CUSTOMER MAY WRITE A POST-DATED CHECK OR SIGN AN AUTHORIZATION FOR THE LENDER TO TAKE A CERTAIN AMOUNT OF MONEY OUT OF AN ACCOUNT ELECTRONICALLY.
A PAYMENT OPTION ADJUSTABLE RATE MORTGAGE ALLOWS A BORROWER TO SELECT A MORTGAGE PAYMENT OPTION EACH MONTH, INCLUDING A VERY MINIMAL PAYMENT WHICH RESULTS IN NEGATIVE AMORTIZATION.
PAYMENT SHOCK OCCURS WHEN A DEBTOR EXPERIENCES AN UNMANAGEABLE RISE IN A MONTHLY MORTGAGE PAYMENT. THIS IS USUALLY THE RESULT OF AN INCREASE IN THE INTEREST RATE ON AN ARM LOAN.
PERSONAL FINANCE IS THE APPLICATION OF THE PRINCIPLES OF FINANCE DEALING WITH THE FINANCIAL DECISIONS OF AN INDIVIDUAL.
PERSONAL PROPERTY INCLUDES ANY PROPERTY OTHER THAN REAL ESTATE
PITI, OR PRINCIPAL + INTEREST + TAXES + INSURANCE, REFERS TO THE BORROWER’S TOTAL MONTHLY MORTGAGE EXPENSE.
A PLAINTIFF, ALSO KNOWN AS A CLAIMANT OR COMPLAINANT, IS A PERSON OR BUSINESS THAT BEGINS A LAWSUIT.
A POINT OR LOAN DISCOUNT POINT IS COST OF THE CREDIT IMPOSED BY THE LENDER. POINTS MAY BE PREPAID IN CASH OR FINANCED AS PART OF THE LOAN PRINCIPAL. ONE POINT EQUALS ONE PERCENT OF THE LOAN AMOUNT.
A POWER OF SALE CLAUSE IS A PROVISION IN A MORTGAGE OR DEED OF TRUST THAT PERMITS THE MORTGAGEE OR TRUSTEE TO SELL THE PROPERTY WITHOUT COURT AUTHORITY OR SUPERVISION IN THE EVENT OF DEFAULT.
PREDATORY LENDING IS ANY LENDING, WHETHER UNDERTAKEN BY A CREDITOR, BROKER, OR HOME IMPROVEMENT CONTRACTOR, WHICH INVOLVES ENGAGING IN DECEPTION OR FRAUD; MANIPULATING THE BORROWER THROUGH AN AGGRESSIVE SALES TACTIC; OR, TAKING UNFAIR ADVANTAGE OF A BORROWER’S LACK OF UNDERSTANDING ABOUT THE LOAN TERMS.
PREEMPTION REFERS TO A HIGHER JURISDICTION LAW OR RULE DIRECTLY OVERRIDING A LOWER JURISDICTION LAW OR RULE. PREEMPTION PROVISIONS IN A FEDERAL LAW GENERALLY OVERRIDE STATE LAWS GOVERNING THE SAME TOPIC.
PREPAYMENT OF A DEBT OCCURS WHEN ALL OR PART OF THE DEBT IS PAID BEFORE IT IS DUE.
A PREPAYMENT PENALTY IS A FEE CHARGED BY A LENDER IF THE BORROWER PAYS THE LOAN OFF EARLY.
A PRE-SALE OCCURS WHEN PROPERTY IS SOLD ON THE MARKET PRIOR TO AN IMPENDING FORECLOSURE OR REPOSSESSION, USUALLY WITH THE LENDER’S CONSENT.
PRINCIPAL IS THE AMOUNT BORROWED IN A LOAN.
PRIVATE MORTGAGE INSURANCE (PMI) IS ALSO KNOWN AS LENDERS MORTGAGE INSURANCE (LMI) AND PROTECTS LENDERS AGAINST LOSS IF A BORROWER DEFAULTS. THIS INSURANCE IS USUALLY REQUIRED WHEN A BORROWER MAKES LESS THAN A 20% DOWN PAYMENT.
A PROCESSING FEE CAN BE CHARGED BY A CREDITOR TO PROCESS OR HANDLE A LOAN APPLICATION.
PROPERTY FLIPPING IS A TERM THAT DESCRIBES AN INVESTOR OR SPECULATOR WHO BUYS A PROPERTY AT A LOW PRICE IN ORDER TO RESELL IT FOR A HUGE PROFIT. PROPERTY FLIPPING OFTEN RELIES ON FALSIFIED APPRAISALS TO JUSTIFY AN INFLATED HOME VALUE.
A PROPERTY INSPECTION FEE MAY BE CHARGED BY A LOAN SERVICER FOR PROPERTY INSPECTIONS SUCH AS A DRIVE-BY. SUCH AN INSPECTION MAY BE NECESSARY TO DETERMINE THE PHYSICAL CONDITION OR OCCUPANCY STATUS OF THE LENDER’S PROPERTY.
PRO SE (ALSO CALLED “PRO PER”) DESCRIBES A PERSON WHO REPRESENTS HIMSELF WITHOUT AN ATTORNEY IN A LEGAL CASE OR PROCEEDING SUCH AS A BANKRUPTCY.
PUNITIVE DAMAGES MAY BE IMPOSED BY A COURT TO PUNISH A PARTY WHICH IS RESPONSIBLE FOR SERIOUS MISCONDUCT AND TO DETER ANY FURTHER SIMILAR MISCONDUCT.
A PURCHASE MONEY MORTGAGE (ALSO KNOWN AS “SELLER FINANCING” OR “OWNER FINANCING”) IS A TYPE OF MORTGAGE WHERE THE PURCHASER BORROWS DIRECTLY FROM THE SELLER, RATHER THAN A LENDER.
A PURCHASE MONEY SECURITY INTEREST IS A LIEN ON PROPERTY THAT ARISES WHEN A PURCHASER AGREE TO ALLOW A LENDER TO TAKE AS COLLATERAL THE PROPERTY BEING PURCHASED WITH THE LOAN.
A QUITCLAIM DEED IS A DOCUMENT ALLOWING A REAL ESTATE OWNER TO CONVEY TO ANOTHER PERSON THE OWNER’S LEGAL RIGHT TO, INTEREST IN AND TITLE TO A PROPERTY. THIS TYPE OF DEED CONTAINS NO WARRANTY OR STATEMENT REGARDING CLAIMS, IF ANY, THAT OTHERS MIGHT HAVE IN THE PROPERTY.
REAFFIRMATION OF A DEBT IS AN AGREEMENT IN THE BANKRUPTCY PROCESS BETWEEN THE DEBTOR AND THE CREDITOR TO PAY BACK A DEBT THAT WOULD OTHERWISE BE DISCHARGED IN BANKRUPTCY.
REAMORTIZATION OF A LOAN OCCURS WHEN THE DEBT PAYMENT SCHEDULE IS RECALCULATED BASED ON LOAN TERMS THAT ARE DIFFERENT FROM THE ORIGINAL TERMS.
TO REDEEM IS TO BUY BACK OR OTHERWISE RECOVER COLLATERAL FROM A CREDITOR AFTER FORECLOSURE OR REPOSSESSION.
REDLINING IS THE REFUSAL BY A LENDER TO EXTEND CREDIT TO RESIDENTS OF A SPECIFIC GEOGRAPHIC AREA DUE TO RACE, ETHNICITY, AGE, OR SEX. THIS USUALLY OCCURS IN DECLINING INNER-CITY NEIGHBORHOODS.
REFINANCING IS THE PROCESS OF PAYING OFF A CURRENT LOAN BY BORROWING NEW MONEY EITHER FROM AN EXISTING CREDITOR OR A NEW CREDITOR.
REFUND ANTICIPATION LOAN. SEE “TAX REFUND ANTICIPATION LOANS.”
REGISTRY OF DEEDS (ALSO CALLED LAND RECORDS OR RECORDER’S OFFICE) ARE OFFICES WHERE PROPERTY DEEDS, MORTGAGES, OR DEEDS OF TRUST, ASSIGNMENTS, LIENS, AND OTHER DOCUMENTS AFFECTING REAL PROPERTY ARE FILED.
RENT-TO-OWN (RTO) IS A TERM FOR RETAIL BUSINESSES WHICH RENT MERCHANDISE TO A CONSUMER FOR A STATED PERIOD, AFTER WHICH THE CONSUMER OWNS THE MERCHANDISE. RTO BUSINESSES ARE NOT REQUIRED TO DISCLOSE INTEREST RATES, ALTHOUGH THE TRANSACTION IS MUCH LIKE A LOAN IN THAT THE COMPANY MAY LEVY UNLIMITED FINANCE CHARGES FOR LATE PAYMENTS, AND MAY REPOSSESS THE MERCHANDISE. PEOPLE MAY RENT-TO-OWN REAL ESTATE BUT UNDER DIFFERENT TERMS THAN THAT OF BUSINESS MERCHANDISE.
REPLEVIN IS A LEGAL PROCESS IN WHICH A CREDITOR MAY RECOVER PERSONAL OR REAL PROPERTY ON WHICH IT CLAIMS A LIEN.
A RETALIATORY EVICTION IS AN EVICTION WHERE A LANDLORD SEEKS TO PUNISH A TENANT FOR HAVING PREVIOUSLY EXERCISED HIS OR HER LEGAL RIGHTS AGAINST THE LANDLORD.
A REVERSE MORTGAGE IS A LOAN AVAILABLE ONLY TO OLDER HOMEOWNERS WHO HAVE BUILT UP SUBSTANTIAL EQUITY IN THEIR PROPERTY THAT RELEASES THE EQUITY IN THE HOME. IN A REVERSE MORTGAGE, MONEY IS DRAWN BASED THE VALUE OF THE PROPERTY WITHOUT AN IMMEDIATE REPAYMENT OBLIGATION, BECAUSE THE LENDER EXPECTS REPAYMENT BY SALE OF THE PROPERTY AT SOME POINT IN THE FUTURE. A REVERSE MORTGAGE MAY BE THE ONLY MORTGAGE ON A PROPERTY.
REVERSE REDLINING OCCURS WHEN CREDIT IS EXTENDED ON UNFAIR TERMS TO THOSE INDIVIDUALS IN CERTAIN COMMUNITIES BASED UPON RACE, ETHNICITY, SEX, OR AGE.
ROLLOVER IS THE PROCESS OF TAKING OUT A NEW LOAN OF SUBSTANTIALLY SIMILAR TERMS AS THE PERVIOUS IN ORDER TO PAY OFF THE PREVIOUS LOAN WHICH HAS REACHED ITS TERMINATION PERIOD.
SATISFACTION OF A LOAN IS EVIDENCED BY A LEGAL DOCUMENT SUCH AS A RELEASE-OF-LIEN OR A RELEASE-DEED WHICH STATES A DEBT HAS BEEN FULLY PAID OR THAT PARTIAL PAYMENT HAS BEEN ACCEPTED AS PAYMENT IN FILL.
THE SECONDARY MARKET REFERS TO THE BUYING AND SELLING OF EXISTING MORTGAGES BETWEEN OTHER LENDERS OR INVESTORS. THESE TRANSACTIONS ARE USUALLY DONE IN “POOLS” OR “BULK” TRANSACTIONS. THE SECONDARY MARKET PROVIDED THE LIQUIDITY NECESSARY FOR MORTGAGE COMPANIES SPECIALIZING IN HOME EQUITY LENDING TO OPERATE WITH A SMALL CAPITAL BASE. THEY CAN OBTAIN A LINE OF CREDIT FROM A MAJOR BANK, ORIGINATE LOANS, AND THEN OBTAIN MONEY TO MAKE NEW LOANS BY SELLING THEM TO INVESTORS. THE SECONDARY MARKET INCLUDES “WHOLESALE” LENDERS WHO BUY LOANS FROM SMALL LENDERS, AND THE SECURITIZATION MARKET, WHERE MORTGAGE LOANS ARE POOLED AND SOLD TO INVESTORS. FANNIE MAE AND FREDDIE MAC ARE PART OF THE SECONDARY MARKET.
A SECURED CREDIT CARD IS A CREDIT CARD FOR WHICH THE CARD ISSUER REQUIRES THAT THE CARD HOLDER PLACE A CERTAIN AMOUNT OF MONEY IN A DEPOSIT ACCOUNT WITH THE CARD ISSUER. IF THE DEBTOR DEFAULTS ON THE CREDIT CARD, THE CARD ISSUER CAN SEIZE THE MONEY IN THE BANK ACCOUNT.
A SECURED CREDITOR IS ANY CREDITOR THAT HAS A SECURITY INTEREST IN THE DEBT.
A SECURED DEBT IS ANY DEBT FOR WHICH THE CREDITOR HAS COLLATERAL IN THE FORM OF A MORTGAGE, LIEN, OR SECURITY INTEREST IN CERTAIN ITEMS OF PROPERTY. THE CREDITOR CAN SEIZE THE COLLATERAL IN THE EVENT OF DEBTOR DEFAULT.
SECURITIZATION IS A STRUCTURED FINANCE PROCESS WHICH DISTRIBUTES RISK BY POOLING DEBT INSTRUMENTS TOGETHER, THEN ISSUING NEW SECURITIES OR BONDS BACKED BY THE POOL. THE BONDS WILL BE FUNDED BY THE CASH FLOW THE DEBTORS MAKE ON THE UNDERLYING POOL OF DEBT INSTRUMENTS.
SECURITY INTEREST. SEE LIEN.
SERVICER. SEE MORTGAGE SERVICER
A SETTLEMENT IS THE CLOSING OF A MORTGAGE LOAN.
A SETTLEMENT STATEMENT (“THE HUD-1”) IS REQUIRED UNDER RESPA WHEREBY A MORTGAGE LENDER MUST GIVE TO THE BORROWER A DISCLOSURE AT CLOSING, OR ONE DAY IN ADVANCE OF CLOSING IF THE CONSUMER REQUESTS IT. THE SETTLEMENT STATEMENT SHOULD BE THE FINAL STATEMENT OF SETTLEMENT COSTS.
SHORT-TERM CREDIT IS CREDIT THAT IS USUALLY EXTENDED FOR A PERIOD OF LESS THAN A MONTH. PAYDAY LENDERS OFFER EXTREMELY SHORT-TERM CREDIT, TYPICALLY A FEW DAYS TO ONE MONTH, AND OFTEN CHARGE INTEREST RATES IN THE TRIPLE DIGITS.
A STATE LAW IS PASSED BY AN INDIVIDUAL STATE LEGISLATURE AND APPLIES TO TRANSACTIONS IN THAT STATE ONLY.
A STATUTE IS A LAW PASSED BY A STATE OR FEDERAL LEGISLATIVE BODY. A LAW PASSED BY A LOCAL BODY, SUCH AS A CITY COUNCIL, IS USUALLY REFERRED TO AS AN ORDINANCE.
STATUTORY DAMAGES ARE PRE-ESTABLISHED DAMAGES FOR CASES WHERE CALCULATING A CORRECT SUM IS DEEMED DIFFICULT.
STEERING OCCURS WHEN A CERTAIN BORROWER IS ROUTED TO A LENDER THAT CHARGES HIGHER FEES OR INTEREST RATES THAN THE BORROWERS’ CREDIT SHOULD QUALIFY FOR.
STRUCTURED FINANCE IS A BROAD TERM WHICH DESCRIBES A SEGMENT OF FINANCE THAT WAS DESIGNED TO HELP TRANSFER RISK BY USING COMPLEX LEGAL AND CORPORATE ENTITIES TO SECURITIZE FINANCIAL ASSETS.
A SUBPOENA IS A DOCUMENT NORMALLY ISSUED BY A COURT IN CONNECTION WITH A LAWSUIT THAT DEMANDS A PERSON ATTEND COURT OR A LAW OFFICE AT A PARTICULAR TIME.
A SUBPRIME LOAN HAS A HIGHER APR THAN A COMPARABLE PRIME LOAN. SUBPRIME LENDING IS GENERALLY DEFINED AS LESS THAN “A,” OR PRIME, LENDING. THE HIGHER APR OF A SUBPRIME LOAN COMPENSATES FOR THE INCREASED RISK OF THE LOAN. SUCH RISK CAN BE ATTRIBUTED TO A BORROWER HAVING NO CREDIT HISTORY OR PAST CREDIT PROBLEMS. MANY PREDATORY MORTGAGES OCCURS IN THE SUBPRIME MARKET.
A SUMMONS IS A LEGAL DOCUMENT ISSUED BY A COURT THAT IS SERVED AT THE BEGINNING OF THE LAWSUIT TO TELL THE DEFENDANT THAT A LEGAL PROCEEDING HAS BEEN STARTED. THE TERM “SUMMONS” MAY ALSO SOMETIMES BE USED INTERCHANGEABLY WITH THE TERM “SUBPOENA” IN THE CONTEXT A PERSON IS BEING REQUESTED TO BE AT A PARTICULAR PLACE AT A PARTICULAR TIME.
TARGETING IS A TERM THAT REFERS TO A DISCRIMINATORY LENDER PRACTICE OF SPECIFICALLY MARKETING HIGH-COST OR PREDATORY LOANS TO POTENTIAL CUSTOMERS BASED SOLELY ON FACTORS SUCH AS RACE, ETHNICITY, OR AGE. TARGETING OFFERS PREDATORY LOANS WITH ABUSIVE TERMS AND CONDITIONS.
A TAX REFUND ANTICIPATION LOAN IS A HIGH-INTEREST, SHORT TERM LOAN TO BE REPAID OUT OF THE DEBTOR’S EXPECTED TAX REFUND.
A TITLE IS A LEGAL DOCUMENT ESTABLISHING THE RIGHT OF OWNERSHIP AND POSSESSION.
TITLE INSURANCE PROTECTS THE LENDER (LENDER’S POLICY) OR THE BUYER (BUYER’S POLICY) AGAINST LOSS ARISING FROM DISPUTES OVER OWNERSHIP OR A PROPERTY.
A TITLE SEARCH IS A CHECK OF THE TITLE RECORDS TO ENSURE THAT THE SELLER IS THE LEGAL OWNER OF THE PROPERTY AND THAT THERE ARE NO LIENS OR OTHER CLAIMS OUTSTANDING ON THE PROPERTY.
TORT LAW ADDRESSES, AND PROVIDES REMEDIES FOR, CIVIL WRONGS NOT ARISING OUT OF CONTRACTUAL OBLIGATIONS.
A TRANCHE REFERS TO ONE OF A NUMBER OF RELATED SECURITIES OR BONDS OFFERED AS PART OF THE SAME TRANSACTION. IN THE FINANCIAL SENSE OF THE WORD, EACH BOND IS A DIFFERENT SLICE, OR TRANCHE, OF RISK. TRANCHES ARE TYPICALLY IDENTIFIED AS “CLASSES” OF NOTES WHICH ARE IDENTIFIED BY LETTER (E.G. THE CLASS A, CLASS B, CLASS C SECURITIES.)
TRIPLE-DIGIT INTEREST OCCURS IN PAYDAY LOANS AND OVERDRAFT LOANS. THE APR FOR PAYDAY AND OTHER PREDATORY CONSUMER LOANS MAY EXCEED 400%.
A TRUSTEE IS A PERSON OR BUSINESS THAT IS RESPONSIBLE FOR MANAGING THE ASSETS FOR OTHERS. A BANKRUPTCY TRUSTEE IS APPOINTED TO ADMINISTER THE BANKRUPTCY CASE AND ITS ASSETS IN ORDER TO MAXIMIZE THE RECOVERY FOR UNSECURED CREDITORS.
AN UNSECURED CREDITOR IS A CREDITOR THAT HAS NO COLLATERAL FOR THE DEBT OWED.
UNDERWRITING IS THE PROCESS OF ASSESSING THE RISK OF A LOAN BY APPLYING ESTABLISHED LENDING CRITERIA TO THE QUALIFICATIONS OF A PARTICULAR LOAN APPLICANT.
AN UNDERWRITING FEE IS A FEE CHARGED BY A CREDITOR TO PERFORM UNDERWRITING.
UNEARNED INCOME MEANS INCOME WHICH IS COLLECTED IN ADVANCE OF THE PERFORMANCE OF A CONTRACT; OR, INCOME WHICH IS DERIVED FROM INVESTMENTS, SUCH AS DIVIDENDS, PROPERTY RENTALS, AND OTHER SOURCES NOT INVOLVING THE INDIVIDUAL’S DIRECT PERSONAL EFFORTS.
UNEARNED INTEREST MEANS INTEREST ON A LOAN WHICH HAS ALREADY BEEN COLLECTED BUT HAS NOT YET BEEN EARNED BECAUSE THE BORROWER HAS NOT HAD THE PRINCIPAL LONG ENOUGH FOR THE INTEREST TO BE EARNED.
UNSECURED DEBT IS DEBT THAT HAS NO COLLATERAL.
USURY IS INTEREST CHARGES THAT ARE EXORBITANT OR HIGHER THAN ALLOWED BY LAW. EXAMPLES INCLUDE PAYDAY, OVERDRAFT, AND AUTO TITLE LOANS.
A VARIABLE RATE INTEREST RATE CHANGES PERIODICALLY IN RELATION TO AN INDEX.
A VARIABLE-RATE MORTGAGE CONTAINS AN INTEREST RATE THAT CAN CHANGE OVER TIME. THE CHANGES AFFECT THE MONTHLY PAYMENTS.
A WAGE IS COMPENSATION PAID TO AN EMPLOYEE.
WAGE ASSIGNMENT IS AN AGREEMENT TO HAVE WAGES PAID TO SOMEONE ELSE OTHER THAN THE WAGE EARNER.
WAGE GARNISHMENT ALLOWS A LENDER TO LEGALLY OBTAIN PART OF A DEBTOR’S WAGES DIRECTLY FROM THE DEBTOR’S EMPLOYER FOR REPAYMENT OF A DEFAULTED DEBT.
A WARRANTY IS A WRITTEN, EXPRESS, OR IMPLIED STATEMENT PROVIDING ASSURANCE THAT THE GOODS OR SERVICES SOLD WILL MEET CERTAIN STANDARDS.
A WORKOUT AGREEMENT IS A PLAN APPROVED BY BOTH THE BORROWER AND THE LENDER WHICH MODIFIES LOAN PAYMENTS.
A YIELD SPREAD PREMIUM (YSP) IS A FEE FROM A LENDER TO A MORTGAGE BROKER PAID WHEN THE BROKER ARRANGES A LOAN WHERE THE INTEREST RATE ON THE LOAN IS GREATER THAN THE “PAR” RATE. THE PAR RATE IS THE BASE RATE AT WHICH THE LENDER WILL MAKE A LOAN TO BORROWER ON A GIVEN DAY.
A ZERO-COUPON BOND IS A SECURITY SOLD AT A DEEP DISCOUNT FROM ITS FACE VALUE AND REDEEMED AT ITS FULL FACE VALUE AT MATURITY.
A 401(K) PLAN IS AN EMPLOYER-SPONSORED INVESTMENT PLAN THAT ALLOWS INDIVIDUALS TO SET ASIDE TAX-DEFERRED INCOME FOR RETIREMENT OR EMERGENCY PURPOSES. A 401(K) PLAN IS PROVIDED BY AN EMPLOYER THAT IS A PRIVATE CORPORATION.
A 403(B) PLAN IS AN EMPLOYER-SPONSORED INVESTMENT PLAN THAT ALLOWS INDIVIDUALS TO SET ASIDE TAX-DEFERRED INCOME FOR RETIREMENT OR EMERGENCY PURPOSES. A 403(B) PLAN IS PROVIDED BY AN EMPLOYER THAT IS A NOT FOR PROFIT ORGANIZATION.
CMA Financial Corporation
THE FEDERAL TRADE COMMISSION ACT (FTC ACT) OF 1914 IS A UNITED STATES FEDERAL LAW AT 15 U.S.C. § 41 ET SEQ. WHICH PROHIBITS UNFAIR METHODS, ACTS, AND PRACTICES OF COMPETITION IN INTERSTATE COMMERCE AS WELL AS CREATED THE FEDERAL TRADE COMMISSION (FTC), A BIPARTISAN COMMISSION OF FIVE PRESIDENTIAL APPOINTEES, CONFIRMED BY THE SENATE, TO POLICE VIOLATIONS OF THE ACT.
THE FEDERAL TRADE COMMISSION (FTC) IS A UNITED STATES INDEPENDENT AGENCY THAT WAS FORMED IN 1914. THE FTC PROMOTES “CONSUMER PROTECTION” BY REGULATING DECEPTIVE ACTS AND PRACTICES AND ANTICOMPETITIVE BEHAVIOR BY BUSINESSES. WHEN A RULE IS VIOLATED, THE FTC CAN INITIATE CIVIL PROCEEDINGS IN A FEDERAL DISTRICT COURT TO OBTAIN INJUNCTIVE RELIEF AND CIVIL DAMAGES.
THE MAGNUSON-MOSS WARRANTY ACT OF 1975 IS A UNITED STATES FEDERAL LAW AT 15 U.S.C. § 2301 ET SEQ. WHICH GOVERNS WARRANTIES ON CONSUMER PRODUCTS.
THE CODE OF FEDERAL REGULATIONS (CFR) IS A SET OF BOOKS PUBLISHED BY THE FEDERAL GOVERNMENT WHICH CONTAINS THE REGULATIONS OF FEDERAL AGENCIES CURRENTLY IN EFFECT. THE CFT IS PUBLISHED IN THE FEDERAL REGISTER BY THE EXECUTIVE DEPARTMENTS AND AGENCIES OF THE FEDERAL GOVERNMENT OF THE UNITED STATES. THE CFR IS PUBLISHED BY THE OFFICE OF THE FEDERAL REGISTER, AN AGENCY OF THE NATIONAL ARCHIVES AND RECORDS ADMINISTRATION (NARA).
CFR IS DIVIDED INTO 50 TITLES THAT REPRESENT BROAD AREAS SUBJECT TO FEDERAL REGULATION.
LIST OF REGULATION TITLES
TITLE 1: GENERAL PROVISIONS
TITLE 2: GRANTS AND AGREEMENTS
TITLE 3: THE PRESIDENT
TITLE 4: ACCOUNTS
TITLE 5: ADMINISTRATIVE PERSONNEL
TITLE 6: HOMELAND SECURITY
TITLE 7: AGRICULTURE
TITLE 8: ALIENS AND NATIONALITY
TITLE 9: ANIMALS AND ANIMAL PRODUCTS
TITLE 10: ENERGY
TITLE 11: FEDERAL ELECTIONS
TITLE 12: BANKS AND BANKING
TITLE 13: BUSINESS CREDIT AND ASSISTANCE
TITLE 14: AERONAUTICS AND SPACE (ALSO KNOWN AS THE FEDERAL AVIATION REGULATIONS, ADMINISTERED BY THE FEDERAL AVIATION ADMINISTRATION)
TITLE 15: COMMERCE AND FOREIGN TRADE
TITLE 16: COMMERCIAL PRACTICES
TITLE 17: COMMODITY AND SECURITIES EXCHANGES
TITLE 18: CONSERVATION OF POWER AND WATER RESOURCES
TITLE 19: CUSTOMS DUTIES
TITLE 20: EMPLOYEES’ BENEFITS
TITLE 21: FOOD AND DRUGS (ADMINISTERED BY THE US FOOD AND DRUG ADMINISTRATION AND THE US DRUG ENFORCEMENT ADMINISTRATION)
TITLE 22: FOREIGN RELATIONS
TITLE 23: HIGHWAYS
TITLE 24: HOUSING AND URBAN DEVELOPMENT
TITLE 25: INDIANS
TITLE 26: INTERNAL REVENUE
TITLE 27: ALCOHOL, TOBACCO PRODUCTS AND FIREARMS
TITLE 28: JUDICIAL ADMINISTRATION
TITLE 29: LABOR
TITLE 30: MINERAL RESOURCES
TITLE 31: MONEY AND FINANCE: TREASURY
TITLE 32: NATIONAL DEFENSE
TITLE 33: NAVIGATION AND NAVIGABLE WATERS
TITLE 34: EDUCATION
TITLE 35: RESERVED (FORMERLY PANAMA CANAL)
TITLE 36: PARKS, FORESTS, AND PUBLIC PROPERTY
TITLE 37: PATENTS, TRADEMARKS, AND COPYRIGHTS
TITLE 38: PENSIONS, BONUSES, AND VETERANS’ RELIEF
TITLE 39: POSTAL SERVICE
TITLE 40: PROTECTION OF ENVIRONMENT (ADMINISTERED BY THE UNITED STATES ENVIRONMENTAL PROTECTION AGENCY)
TITLE 41: PUBLIC CONTRACTS AND PROPERTY MANAGEMENT
TITLE 42: PUBLIC HEALTH
TITLE 43: PUBLIC LANDS: INTERIOR
TITLE 44: EMERGENCY MANAGEMENT AND ASSISTANCE
TITLE 45: PUBLIC WELFARE
TITLE 46: SHIPPING
TITLE 47: TELECOMMUNICATION
TITLE 48: FEDERAL ACQUISITION REGULATIONS SYSTEM
TITLE 49: TRANSPORTATION
TITLE 50: WILDLIFE AND FISHERIES
ACCELERATION IS A CLAUSE COMMONLY INCLUDED IN MORTGAGES PERMITTING A CREDITOR TO EXERCISE ITS CONTRACTUAL RIGHT TO DEMAND THAT THE TOTAL UNPAID BALANCE OF A LOAN BE REPAID IMMEDIATELY UPON DEFAULT. THIS IS USUALLY THE RESULT OF THE BORROWER BECOMING DELINQUENT ON THE LOAN OR TRANSFERRING TITLE TO ANOTHER PERSON WITHOUT INFORMING THE LENDER. IF A HOME MORTGAGE UNDERGOES ACCELERATION, THE CREDITOR WILL SEND A LETTER STATING THE MORTGAGE HAS BEEN “ACCELERATED.”
AMORTIZE MEANS THE REPAYMENT OF A LOAN WITH REGULAR PAYMENT INTERVALS WHEREBY A PORTION OF EACH PAYMENT PAYS INTEREST AND A PORTION PAYS PRINCIPAL. THE INTEREST PORTION DECREASES AS THE LOAN BALANCE DECREASES OVER TIME THEREBY INCREASING THE AMOUNT APPLIED TO PRINCIPAL OVER TIME.
AMOUNT FINANCED MEANS A CREDIT OR ADVANCE MADE BY A LENDER THE CONSUMER IN A LOAN. THE AMOUNT FINANCED IS USUALLY THE LOAN PRINCIPAL MINUS FINANCE CHARGES.
ANSWER MEANS, WHEN REFERRING TO A LAWSUIT, A DOCUMENT THAT A DEFENDANT IS REQUIRED TO FILE IN RESPONSE TO THE CLAIMS BEING RAISED IN THE LAWSUIT.
APPRAISAL MEANS THE ESTIMATE OF A PROPERTY VALUE AS OF A SPECIFIC DATE. AN “APPRAISER” IS THE TRAINED PROFESSIONAL THAT MAKES THE APPRAISAL.
ARREARS MEANS THE CONDITION OF THE PORTION OF A DEBT REMAINING UNPAID FOLLOWING MATURITY SUCH AS AN ACCUMULATION OF PAST-DUE MONTHLY PAYMENTS.
ASSIGNMENT MEANS THE TRANSFER OF A LOAN OR DEBT FROM ONE PARTY TO ANOTHER.
AN ATTACHMENT IS A LEGAL TERM MEANING THAT A LIEN IS “ATTACHED” TO A CONSUMER’S PROPERTY. THIS IS ACHIEVED THROUGH A LEGAL ACTION TO SEIZE PROPERTY AND HOLD IT AS SECURITY FOR A JUDGMENT.
AUTOMATED CLEARING HOUSE (ACH) IS AN ELECTRONIC NETWORK FOR FINANCIAL TRANSACTIONS IN THE UNITED STATES. ACH PROCESSES LARGE VOLUMES OF BOTH CREDIT AND DEBIT TRANSACTIONS INCLUDING DIRECT DEPOSIT PAYROLL AND VENDOR PAYMENTS. A
AN AUTOMATIC STAY IS A PROVISION IN BANKRUPTCY WHICH PROHIBITS ANY CREDITOR FORM CONTINUING COLLECTION ACTIVITY OF A DEBT INCLUDED IN A CH11 BANKRUPTCY.
BALLOON PAYMENT MEANS A FINAL LUMP-SUM LOAN PAYMENT WHICH MAY BE AN AMOUNT SIGNIFICANTLY LARGER THAN THE AMORTIZED PAYMENTS DUE AT THE TERMINATION OF A LOAN.
A BANK IS A FINANCIAL INSTITUTION WHICH ACCEPTS DEMAND DEPOSITS, MAKES LOANS, AND PERFORMS OTHER SERVICES FOR ITS CUSTOMERS.
IN LEGAL TERMS, A BOND IS AN AMOUNT THAT A COURT ORDER REQUIRES TO PROTECT A PARTY TO A LAWSUIT WHILE THE CASE PROCEEDS OR TO PURSUE AN APPEAL.
A BROKER’S PRICE OPINION (BPO) IS A TYPE OF HOME APPRAISAL THAT IS OBTAINED BY A MORTGAGE SERVICER WHEREBY THE PROBABLE SELLING PRICE OF THE HOME IS ESTIMATED. A BPO CAN BE BASED ON A DRIVE-BY EXTERIOR APPRAISAL, PUBLIC DATA, AND RECENT COMPARABLE HOME DATA. A BPO COSTS LESS THAN AN APPRAISAL AND MAY BE DONE BY THE MORTGAGE SERVICER ONCE THE LOAN IS IN DEFAULT OR IF THE LOAN IS BEING MODIFIED. A BPO HAS SIMILARITIES TO A COMPARATIVE MARKET ANALYSIS CMA AND A RESIDENTIAL REAL ESTATE APPRAISAL.
CAP IS THE LIMIT, OR CEILING, ON HOW MUCH THE APR ON A LOAN MAY BE ADJUSTED.
CAPITALIZATION, WHEN USED IN CONTEXT WITH A LOAN, DESCRIBES THE MODIFICATION OF A DELINQUENT LOAN BY ADDING EARNED BUT UNCOLLECTED INTEREST TO THE LOAN BALANCE THROUGH A REAMORTIZATION OF THE PRINCIPAL.
CHECK CASHING IS A WAY FOR A PERSON WITHOUT A CHECKING ACCOUNT TO TURN A CHECK INTO CASH.
CLOSING ON A LOAN OCCURS WHEN THE BORROWER SIGNS THE PAPERS THAT OBLIGATE HIM OR HER TO THE LOAN, THEREBY CONSUMMATING THE TRANSACTION. THIS IS ALSO KNOWN AS A SETTLEMENT.
CLOSING AGENT IS A PERSON REPRESENTING THE LENDER WHO CONDUCTS THE MORTGAGE CLOSING OR SETTLEMENT.
CLOSING COSTS ARE EXPENSES ASSOCIATED WITH THE FINANCING AND TITLE TRANSFER OF REAL ESTATE AT CLOSING OR SETTLEMENT.
A CONFORMING LOAN MORTGAGE COMPLIES WITH REGULATORY LIMITS SUCH AS LOAN-TO-VALUE RATIO, TERM AND OTHER CHARACTERISTICS.
COMPENSATORY DAMAGES, ALSO CALLED ACTUAL DAMAGES, ARE PAID TO COMPENSATE THE CLAIMANT FOR LOSS, INJURY, OR HARM SUFFERED BY ANOTHER’S BREACH OF DUTY.
A COMPLAINT IS A FORMAL DOCUMENT THAT BEGINS A LAWSUIT
A CONVENTIONAL LOAN IS A MORTGAGE THAT IS NOT INSURED OR FUNDED BY THE VETERANS ADMINISTRATION (VA), THE FEDERAL HOUSING ADMINISTRATION (FHA) OR RURAL ECONOMIC COMMUNITY DEVELOPMENT (RECD) (FORMERLY FARMERS HOME ADMINISTRATION). BORROWERS WITH EXCELLENT AND GOOD CREDIT QUALIFY FOR CONVENTIONAL LOANS.
CORPORATE FINANCE IS THE APPLICATION OF THE PRINCIPLES OF FINANCE DEALING WITH THE FINANCIAL DECISIONS CORPORATIONS MAKE.
COSIGNER IS A PERSON WHO AGREES TO BE LEGALLY RESPONSIBLE FOR AND LEGALLY OBLIGATED TO ANOTHER PERSON’S DEBT.
COUNTERCLAIM IS A DEFENDANT’S CLAIM FILED IN OPPOSITION TO OR IN RESPONSE TO A LAWSUIT RAISING LEGAL CLAIMS AGAINST THE PLAINTIFF.
CREDIT INSURANCE IS INSURANCE THAT PROTECTS A CONSUMER’S LOAN. CREDIT LIFE INSURANCE OR DISABILITY INSURANCE PURCHASED BY THE BORROWER PAYS THE CREDITOR IN THE EVENT THE BORROWER SUFFERS AN ACCIDENT – OR PERMANENT DISABILITY – OR DIES BEFORE THE DEBT IS REPAID.
IN LAW, DAMAGES ARE MONEY CLAIMED BY, OR ORDERED TO BE PAID TO, A PERSON AS COMPENSATION FOR LOSS OR INJURY.
DEBT CONSOLIDATION IS THE REFINANCING OF DEBT OR LIABILITIES INTO A NEW LOAN WHICH PROVIDES BETTER TERMS THAN THE ORIGINAL DEBT.
A DEBT-TO-INCOME RATIO (DTI RATIO) MEASURES THE RELATIONSHIP BETWEEN A PERSON’S MONTHLY DEBT PAYMENTS AND THE MONTHLY INCOME, EXPRESSED AS A RATIO. IT INDICATES WHAT PERCENTAGE OF A PERSON’S MONTHLY INCOME GOES TOWARD PAYING DEBTS.
A DEBT SETTLEMENT SERVICE IS PROVIDED BY A COMPANY THAT COLLECTS REGULAR MONTHLY PAYMENTS FROM A CUSTOMER UNTIL ENOUGH MONEY HAS ACCUMULATED FOR THE DEBT SETTLEMENT COMPANY TO SETTLE THE DEBT FOR LESS THAN THE FULL AMOUNT OWED. DEBT SETTLEMENT IS DIFFERENT FROM DEBT MANAGEMENT.
A DEBT MANAGEMENT PLAN IS A METHOD FOR PAYING PERSONAL, UNSECURED DEBTS THROUGH A CREDIT COUNSELING AGENCIY. THE CREDIT COUNSELING AGENCY TYPICALLY RECEIVES MONTHLY DEBT PAYMENTS FROM THE CONSUMER AND THEN DISTRIBUTES THOSE PAYMENTS AMONG THE CREDITORS ON REPAYMENT TERMS THAT ARE USUALLY MORE REALISTIVALLY AFFORDABLE BY THE DEBTOR.
A DEED IS A LEGAL INSTRUMENT THAT TRANSFERS OF A PIECE OF PROPERTY FROM THE SELLER TO THE BUYER UPON CLOSING.
A DEFAULT JUDGMENT IS A SPECIFIC TYPE OF JUDGMENT OBTAINED IN A LAWSUIT WHEN ONE OF THE PARTIES DID NOT MEET THE LEGAL REQUIREMENTS OF THE CASE.
A DEFAULT RATE IS THE RATE DISCLOSED AT THE TIME OF ENGAGING IN A CONTRACT THAT THE LENDER WILL CHARGE IF THE DEBTOR DEFAULTS ON THE LOAN.
A DEFENDANT IS A PERSON, BUSINESS, OR ENTITY BEING SUED.
A DEFENSE, IN A LAWSUIT, IS A LEGAL REASON FOR WHY A COURT SHOULD NOT AWARD ANY OR ALL OF WHAT IS REQUIRED IN A LAWSUIT.
DEFICIENCY IN THE CONTEXT OF A FORECLOSURE OR REPOSSESSION MEANS THE AMOUNT OF THE DEBT THAT THE DEBTOR STILL OWES THE CREDITOR AFTER THE CREDITOR HAS SEIZED AND SOLD THE ASSET.
A DEFICIENCY JUDGMENT IS A COURT ORDER THAT AUTHORITIES THE COLLECTION FROM THE DEBTOR OF THE AMOUNT OF THE DEBT THAT THE DEBTOR STILL OWES THE CREDITOR AFTER THE CREDITOR HAS SEIZED AND SOLD THE ASSET.
A DEPOSITION IS A PROCEEDING IN A LEGAL CASE WHERE A PERSON GIVES TESTIMONY UNDER OATH ABOUT RELEVANT FACTS.
DEREGULATION IN REGARDS TO THE LENDING INDUSTRY IS A TERM THAT WAS COINED IN THE 1980S WHEN THERE WAS A SIMPLIFICATION OF LENDING REGULATIONS.
DIRECT DEPOSIT IS A BANKING TERM USED TO REFER TO THE TRANSFER MONEY VIA THE AUTOMATED CLEARING HOUSE.
A DISCHARGE IS A BANKRUPTCY DOCUMENT THAT TERMINATES A DEBTOR’S LEGALLY ENFORCEABLE OBLIGATION TO REPAY A DEBT
DISCLOSURE STATEMENT COMMONLY REFERS TO A DOCUMENT GIVEN BY A LENDER TO A CUSTOMER THAT EXPLAINS LOAN TERMS REGULATED BY THE TRUTH-IN-LENDING ACT.
DISCOVERY REFERS TO A NUMBER OF LEGAL PROCESSES BY WHICH THE PARTIES TO A LAWSUIT OBTAIN INFORMATION FROM EACH OTHER AND DOCUMENTS RELATED TO THE CASE.
DOWNPAYMENT IS MONEY PAID TO A SELLER WHICH MAKES UP THE DIFFERENCE BETWEEN THE PURCHASE PRICE AND THE LOAN AMOUNT.
EARNED INCOME COMES FROM A PERSON’S PERSONAL EFFORTS, FROM WORK, FROM SERVICES RENDERED OR FROM GOODS PRODUCED AND SOLD. IT MAY ALSO INCLUDE PENSION AND ANNUITY INCOME, WHICH IS BASED ON INCOME THAT WAS PREVIOUSLY EARNED.
EMINENT DOMAIN IS THE RIGHT A GOVERNMENT HAS TO TAKE PRIVATE PROPERTY FOR PUBLIC USE UPON PAYMENT OF ITS FAIR MARKET VALUE. EMINENT DOMAIN IS THE BASIS FOR CONDEMNATION PROCEEDINGS.
EQUITY STRIPPING, ALSO KNOWN AS EQUITY SKIMMING, IS A FORM OF PREDATORY LENDING. LOAN TERMS ON MORTGAGES (USUALLY REFINANCES) DESIGNED TO MAXIMIZE THE LENDER’S REVENUES BY INCREASING THE BORROWER’S LOAN BALANCE; THIS PRACTICE REDUCES OR “SKIMS” THE BORROWER’S EQUITY IN THE HOME.
ESCROW IS MONEY SET ASIDE FOR A PARTICULAR PURPOSE WITH A THIRD PARTY FOR SAFEKEEPING. A FORMAL ESCROW USUALLY REQUIRES A LEGAL AGREEMENT THAT COVERS PERMISSIBLE USAGE OF THE ESCROW, SUCH AS EARNEST MONEY, AND HOW THE MONEY IS TO BE KEPT.
ESCROW CLOSING OR SETTLEMENT IS A TYPE OF CLOSING FACILITATED BY AN ESCROW AGENT WHERE THE HOME IS FINANCED, THE MORTGAGE IS SIGNED, THE BUYER PAYS THE MORTGAGE, AND CLOSING COSTS ARE PAID.
EVICTION IS THE LAWFUL PROCESS OF TERMINATING THE RIGHT TO OCCUPY REAL PROPERTY.
EXECUTION IS THE FORMAL PROCESS OF ENFORCING A COURT JUDGMENT.
EXEMPT PROPERTY IS PROPERTY THAT THE OWNER IS ALLOWED TO LEGALLY KEEP. EXEMPT PROPERTY IS PROTECTED FROM BEING USED TO SATISFY AN UNSECURED CREDITOR CLAIM WHEN YOU ARE BEING FACED WITH COLLECTION ON AN UNSECURED DEBT. IN BANKRUPTCY, EXEMPT PROPERTY IS PROTECTED FROM SALE TO SATISFY THE CLAIMS OF CREDITORS.
EXEMPTIONS ARE LAWS THAT GIVE A PERSON THE RIGHT TO KEEP EXEMPT PROPERTY.
EXPLODING ARM (EXPLODING ADJUSTABLE RATE MORTGAGE). A COMMON TYPE OF “HYBRID” ARM IN THE SUBPRIME MARKET THAT CONTAINS BOTH A FIXED- AND ADJUSTABLE-INTEREST RATE COMPONENT. AN EXAMPLE IS A “2/28” HYBRID ARM THAT COMES WITH AN INITIAL SHORT-TERM FIXED INTEREST RATE FOR TWO YEARS, FOLLOWED BY RATE ADJUSTMENTS, GENERALLY IN SIX-MONTH INCREMENTS FOR THE REMAINDER OF THE LOAN’S TERM, WHICH IS 28 YEARS. EXPLODING ARMS USUALLY CARRY ARTIFICIALLY LOW, OR TEASER, INTRODUCTORY RATES, WHICH GIVE HOMEOWNERS A DRAMATIC INCREASE IN HOUSING COSTS AFTER THE INTRODUCTORY PERIOD EXPIRES.
FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) IS AN INDEPENDENT GOVERNMENT AGENCY CREATED BY THE GLASS-STEAGALL ACT OF 1933 TO MAINTAIN FINANCIAL STABILITY AND PUBLIC CONFIDENCE IN THE NATION’S BANKING SYSTEM. IT PROVIDES DEPOSIT INSURANCE UP TO $250,000 PER DEPOSITOR PER BANK.
THE FEDERAL RESERVE BOARD (FED) IS THE CENTRAL BANK OF THE UNITED STATES. IT WAS CREATED IN 1913 BY THE ENACTMENT OF THE FEDERAL RESERVE ACT. CONGRESS WANTED TO PROVIDE THE NATION WITH A SAFER, MORE FLEXIBLE, AND MORE STABLE MONETARY AND FINANCIAL SYSTEM. THE FED CONDUCTS US MONETARY POLICY AND REGULATES COMMERCIAL BANKS AND THRIFTS WITH THE SUPPORT OF ITS 12 REGIONAL BANKS.
A FEDERAL LAW IS A LAW OF THE UNITED STATES, CREATED BY THE FEDERAL GOVERNMENT, WHICH APPLIES THROUGHOUT THE COUNTRY
A FEE, WHEN REFERRING TO A LOAN, IS ANY CHARGE ADDED TO A LOAN.
FINANCE IS THE SCIENCE OF FUNDS MANAGEMENT WHICH INVOLVES SAVING MONEY AND BUDGETING.
A FINANCE COMPANY IS A COMPANY ENGAGED IN PROVIDING FINANCIAL SERVICES TO AN INDIVIDUAL OR BUSINESS SUCH AS THE MAKING OF LOANS. A FINANCE COMPANY DIFFERS FROM A BANK BECAUSE IT DOES NOT RECEIVE DEPOSITS FROM THE PUBLIC.
A FIXED-RATE MORTGAGE IS A MORTGAGE WHICH CONTAINS AN INTEREST RATE THAT IS SET FOR THE TERM OF THE LOAN. THE RATE CANNOT CHANGE.
LOAN FLIPPING REFERS TO THE PRACTICE OF A HOMEOWNER REFINANCING THE MORTGAGE WITHOUT A NET BENEFIT BEING PROVIDED TO THE HOMEOWNER. SOME BORROWERS MAY PULL OUT CASH DURING A LOAN FLIP, BUT THE BENEFIT OF THIS COMPENSATION MAY BE OUTWEIGHED BY THE COSTS OF LOSING EQUITY OR TAKING ON UNAFFORDABLE DEBT.
FORCE-PLACED INSURANCE IS A TYPE OF COLLATERAL PROTECTION INSURANCE POLICY A LENDER WILL “FORCE” A CUSTOMER TO PURCHASE IF THE CUSTOMER’S INSURANCE IS CANCELLED OR IF THE LENDER DOES NOT HAVE PROOF OF THE CUSTOMER’S INSURANCE COVERAGE. FORCE-PLACED INSURANCE IS TYPICALLY MORE EXPENSIVE THAN REGULAR INSURANCE.
A FORECLOSURE RESCUE SCAM TARGETS THOSE HOMEOWNERS WHO HAVE FALLEN BEHIND ON THEIR MORTGAGE PAYMENTS AND FACING POTENTIAL FORECLOSURE. THE HOMEOWNER IS LED TO BELIEVE THAT THE “RESCUER” WILL HELP SAVE THEIR HOME BUT THE RESCUER IS ACTUALLY INTENT ON STEALING THE HOME OR MOST OF ITS ACCUMULATED EQUITY. THIS SCAM USUALLY RESULTS IN THE HOMEOWNER LOSING HIS OR HER HOME.
A FRAUDULENT TRANSFER OR FRAUDULENT CONVEYANCE IS A CIVIL CAUSE OF ACTION WHEREBY A DEBTOR GIVES AWAY PROPERTY TO KEEP IT OUT OF THE HANDS OF CREDITORS, USUALLY IN A BANKRUPTCY. THE CREDITOR MAY BE ABLE TO SUE AND GET THE PROPERTY BACK.
GINNIE MAE IS THE NICKNAME FOR GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA).
A GOOD FAITH ESTIMATE (GFE) IS AN ESTIMATION OF THE TOTAL CLOSING COSTS THAT A LENDER OR BROKER IS REQUIRED TO PROVIDE TO THE CUSTOMER WITHIN THREE BUSINESS DAYS OF APPLYING FOR A LOAN. THE GFE IS REQUIRED BY RESPA AND IS INTENDED TO ASSURE THAT A CUSTOMER HAS ADEQUATE INFORMATION ABOUT CLOSING COSTS EARLY ENOUGH THAT THE CUSTOMER CAN SHOP FOR THOSE COSTS, AS WELL AS INTEREST RATES.
A GRACE PERIOD IS A SPECIFIED PERIOD ON A LOAN AFTER THE REGULAR PAYMENT DUE DATE WHERE NO LATE CHARGE OR OTHER PENALTY IS ASSESSED ON TARDY PAYMENTS.
A GUARANTOR IS A PERSON OR ENTITY WHO AGREES TO REPAY ANOTHER PERSON’S DEBT IN THE EVENT THE BORROWER DEFAULTS. THE TERM GUARANTOR IS OFTEN USED INTERCHANGEABLY WITH COSIGNER, EVEN THOUGH THERE ARE SOME MINOR LEGAL DISTINCTIONS IN THE COLLECTION PROCESS
A GOVERNMENT MORTGAGE GUARANTOR IS A SPECIAL GOVERNMENT PROGRAM WHICH PROVIDES MORTGAGE INSURANCE OR GUARANTEES TO A LENDER THAT MAKES PURCHASE-MONEY MORTGAGE LOANS TO HOMEOWNERS WHO MEET CERTAIN CRITERIA. THIS PROGRAM IS EITHER OFFERED THROUGH THE FEDERAL GOVERNMENT (THE FEDERAL HOUSING ADMINISTRATION, PART OF THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT; THE RURAL HOUSING SERVICE, PART OF THE DEPARTMENT OF AGRICULTURE; AND THE VETERANS ADMINISTRATION) OR THROUGH A STATE HOUSING FINANCE AGENCY.
HAZARD INSURANCE IS INSURANCE REQUIRED BY A LENDER THAT A BORROWER MUST OBTAIN WHICH COVERS AGAINST PROPERTY LOSS OR DAMAGE.
THE MORTGAGE HOLDER “OWNS” THE BORROWERS’ MORTGAGE. A MORTGAGE MAY BE ASSIGNED BY THE ORIGINATOR TO A PURCHASER ON THE SECONDARY MARKET, THUS MAKING THE MORTGAGE HOLDER A DIFFERENT BANK OR MORTGAGE COMPANY THAN THE ONE THAT MADE THE LOAN.
A HOME EQUITY LOAN IS A LOAN BACKED BY THE BORROWER’S RESIDENCE THAT IS NOT USED TO FINANCE THE PURCHASE OF THE HOME.
HOEPA
A HOMESTEAD EXEMPTION IS A HOMEOWNERSHIP PROTECTION RIGHT, AVAILABLE IN MOST STATES AND IN THE BANKRUPTCY PROCESS, THAT “EXEMPTS” A HOMEOWNER’S PRIMARY RESIDENCE FROM BEING SOLD TO SATISFY THE CLAIMS OF AN UNSECURED CREDITOR.
AN INDEX IS A PUBLISHED INTEREST RATE OFTEN USED TO ESTABLISH THE INTEREST RATE CHARGED ON ADJUSTABLE RATE MORTGAGES OR TO COMPARE INVESTMENT RETURNS. TREASURY BILL RATES, THE PRIME RATE, AND LIBOR (THE LONDON INTERBANK OFFERED RATE) ARE SOME COMMON INDEXES.
INTEREST IS THE COST OVER TIME OF BORROWING MONEY THAT BELONGS TO ANOTHER. INTEREST RATES ARE EXPRESSED AS A PERCENTAGE.
A MORTGAGE INVESTOR IS A COMPANY THAT INVESTS IN MORTGAGES THAT OTHER COMPANIES HAVE ORIGINATED WITH THE INTENTION OF REALIZING AN APPRECIATION ON THE INVESTMENT. A MORTGAGE INVESTOR MAY PURCHASE A MORTGAGE FOR A SET AMOUNT AND COLLECT MONTHLY PAYMENTS, USUALLY THROUGH A SERVICER.
INSOLVENT IS THE CONDITION OF NOT HAVING SUFFICIENT ASSETS TO PAY ITS DEBTS WHEN THEY ARE DUE.
A JUDGMENT IS A DECISION BY A COURT AS TO THE OUTCOME OF A LAWSUIT AND ANY MONEY OWED
A JUDGMENT LIEN IS A COURT ORDERED LIEN ATTACHED TO PROPERTY AS THE RESULT OF A JUDGMENT.
A PERSON IS JUDGMENT-PROOF WHEN HIS ASSETS ARE SO MINIMAL THAT IT IS DIFFICULT OR SOMETIMES IMPOSSIBLE FOR ANY CREDITOR TO FORCE THE REPAYMENT OF A DEBT.
A JUMBO LOAN, ALSO CALLED A NONCONFORMING LOAN, IS A LOAN THAT EXCEEDS FANNIE MAE’S AND FREDDIE MAC’S LOAN LIMITS.
A JUNIOR MORTGAGE IS ALSO CALLED A SECOND MORTGAGE. A BORROWER MAY BE ABLE TO USE A JUNIOR MORTGAGE TO OBTAIN ADDITIONAL FUNDS NEEDED FOR DOWNPAYMENT OR CLOSING COSTS. A JUNIOR MORTGAGE LENDER HAS LITTLE OR NO EQUITY IN THE HOME.
A JUNK BOND IS A WALL STREET TERM FOR BONDS WHICH ARE BELOW INVESTMENT GRADE (BELOW THE TOP FOUR RATINGS) BY AGENCIES THAT RATE BONDS.
A KICKBACK IS ANY MONEY OR CONSIDERATION PAID BY A REAL ESTATE SETTLEMENT SERVICE PROVIDER SUCH AS A LENDER, TITLE COMPANY, OR CLOSING ATTORNEY, FOR REFERRING A CUSTOMER.
LEMON LAWS ARE STATE LAWS THAT GIVE CONSUMER PROTECTION FROM THE PURCHASE AN AUTOMOBILE THAT FAILS TO MEET MINIMUM QUALITY STANDARDS. MOST LEMON LAWS ONLY APPLY TO NEW CARS, BUT SOME ALSO APPLY TO USED CARS.
A LEVY IS A JUDICIAL PROCESS FOR ATTACHMENT OF A JUDGMENT LIEN AND/OR EXECUTION OF THAT LIEN AGAINST A DEBTOR.
A LIEN IS A TYPE OF LEGAL “SECURITY INTEREST” TAKEN BY CREDITORS IN A DEBTOR’S PROPERTY TO SECURE REPAYMENT OF THE DEBT. A LIEN CAN BE CREATED VOLUNTARILY IN CONNECTION WITH A LOAN, SUCH AS WHEN A DEBTOR PLEDGES REAL ESTATE TO BACK A MORTGAGE. A LIEN CAN ALSO BE CREATED WITHOUT THE DEBTOR’S CONSENT BY A COURT ORDERED ATTACHMENT OR JUDGMENT. A CREDITOR WITH A LIEN IS CALLED A SECURED CREDITOR.
LIQUIDATION IS THE SALE OF PROPERTY TO PAY OFF DEBTS TO CREDITORS.
A LOAN APPLICATION IS A FORM USED BY A CREDITOR TO OBTAIN PERSONAL AND FINANCIAL INFORMATION FROM A PROSPECTIVE BORROWER BEFORE DECIDING WHETHER TO MAKE A LOAN.
A BORROWER CAN LOCK A SELECTED INTEREST RATE DURING THE LOAN PROCESS THEREBY BEING GUARANTEED THAT RATE BY THE LENDER. A RATE LOCK IS GOOD FOR ONLY A SPECIFIC NUMBER OF DAYS. THIS IS CALLED “LOCKING” THE RATE.
MANDATORY ARBITRATION PREVENTS A CONFLICT FROM RECEIVING JUDICIAL ATTENTION. A MANDATORY ARBITRATION CLAUSE IN A LOAN CONTRACT WOULD REQUIRE THE BORROWER TO USE ARBITRATION TO RESOLVE ANY LEGAL DISPUTES THAT ARISE WITH THE CREDITOR.
INTEREST MARGIN DESCRIBES THE NUMBER ADDED TO THE INDEX RATE TO DETERMINE THE INTEREST RATE ON AN ADJUSTABLE RATE MORTGAGE. FOR EXAMPLE, IF THE INDEX RATE IS 4%, AND THE CURRENT NOTE RATE IS 8.25%, THE MARGIN IS 4.25%.
MARK-TO-MARKET IS AN ACCOUNTING PROCEDURE ALLOWING ASSETS TO BE “MARKED,” OR RECORDED, AT THEIR CURRENT MARKET VALUE, WHICH MAY BE HIGHER OR LOWER THAN THEIR PURCHASE PRICE OR BOOK VALUE.
A MARKET MAKER BUYS OR SELLS FINANCIAL INSTRUMENTS AND SECURITIES AT BID OR ASKING PRICES DURING NORMAL BUSINESS HOURS. A MARKET MAKER ATTEMPTS TO PROFIT FROM THE BID/ASK SPREAD.
MARKET VALUE IS THE HIGHEST PRICE A PIECE OR REAL OR PERSONAL PROPERTY WILL BRING IN A COMPETITIVE AND OPEN MARKET.
A MORTGAGE-BACKED SECURITY IS A TYPE OF ASSET-BACKED SECURITY WHEREBY THE UNDERLYING MONTHLY PAYMENTS ON POOLS OF MORTGAGE LOANS GENERATING THE RETURN TO INVESTORS. MORTGAGES IN THE SECONDARY MORTGAGE MARKET ARE COLLECTED AND PACKAGED AS INVESTMENTS (USUALLY AS BONDS) AND LENDERS ARE ABLE TO GENERATE MORE FUNDS FOR FUTURE LENDING.
A MORTGAGE BROKER IS AN INDIVIDUAL WHO ACTS AS AN INTERMEDIARY TO ARRANGE FINANCING FOR A HOMEOWNER. THE BROKER IS SUPPOSED TO OPERATE AS THE AGENT FOR THE HOMEOWNER, SEEKING THE BEST PRODUCT.
MORTGAGE INSURANCE. SEE PRIVATE MORTGAGE INSURANCE.
A MORTGAGEE IS THE LENDER IN A MORTGAGE TRANSACTION.
A MORTGAGOR IS THE BORROWER IN A MORTGAGE TRANSACTION.
NEGATIVE AMORTIZATION OCCURS WHEN A LOAN PAYMENT DOES NOT COVER THE AMOUNT OF INTEREST DUE FOR THAT PAYMENT PERIOD. THE UNPAID INTEREST IS CALLED “DEFERRED INTEREST” AND IS ADDED TO THE PRINCIPAL BALANCE OF THE LOAN, THUS MAKING THE PRINCIPAL BALANCE LARGER INSTEAD OF SMALLER. NEGATIVE AMORTIZATION MAY BE ASSOCIATED WITH PAYMENT-OPTION ARMS OR LOANS WITH LARGE BALLOON PAYMENTS DUE IN THE LAST MONTH OF THE LOAN.
NEGATIVE CASH FLOW OCCURS WHEN THE EXPENSES REQUIRED TO MAINTAIN AN INVESTMENT EXCEED INCOME RECEIVED ON THE INVESTMENT.
A NON-PURCHASE MONEY SECURITY INTEREST ARISES WHEN A DEBTOR AGREES TO GIVE A LENDER COLLATERAL THAT WAS NOT PURCHASED WITH MONEY FROM THAT LOAN.
NON-SUFFICIENT FUNDS (NSF) IS A BANKING TERM WHEN A CHECK CANNOT BE HONORED BECAUSE THE ACCOUNT HAD INSUFFICIENT FUNDS AVAILABLE. FEES ARE CHARGED BY THE BANK FOR NON-SUFFICIENT FUNDS (NSF) WHEN A CHECKING ACCOUNT IS OVERDRAWN. NSF FEES DIFFER FROM OVERDRAFT FEES, WHICH ARE CHARGED FOR THE EXTENSION OF A LOAN USING BANK FUNDS TO COVER THE AMOUNT YOU WOULD HAVE OVERDRAWN.
NOTICE OF RIGHT TO CANCEL IS A DOCUMENT EXPLAINING A CUSTOMER’S RIGHT TO CANCEL A LOAN IN SOME CIRCUMSTANCES.
A NOTICE TO QUIT OR NOTICE TO VACATE IS A NOTICE GIVEN BY A LANDLORD DEMANDING THAT A TENANT LEAVE WITHIN A SPECIFIED PERIOD OF TIME OR FACE LEGAL EVICTION PROCEEDINGS.
THE OFFICE OF THE COMPTROLLER OF CURRENCY (OCC) IS A FEDERAL AGENCY THAT CHARTERS, REGULATES AND SUPERVISES ALL NATIONAL BANKS. IT ALSO SUPERVISES ALL FEDERAL BRANCHES AND AGENCIES OF FOREIGN BANKS.
THE OFFICE OF THRIFT SUPERVISION (OTS) IS A DIVISION OF THE U.S. TREASURY DEPARTMENT. THE OTS IS RESPONSIBLE FOR THE EXAMINATION AND REGULATION OF FEDERALLY CHARTERED AND STATE CHARTERED SAVINGS AND LOANS.
OPERATING CAPITAL REFERS TO THE FUNDS AVAILABLE FOR USE IN FINANCING THE DAY-TO-DAY ACTIVITIES OF A BUSINESS.
AN ORIGINATION FEE IS A FEE PAID TO A LENDER FOR PROCESSING A LOAN APPLICATION STATED AS A PERCENTAGE OF THE MORTGAGE AMOUNT, OR “POINTS.” ONE POINT EQUALS ONE PERCENT OF THE LOAN AMOUNT.
THE ORIGINATOR IS THE LENDER THAT MAKES THE LOAN AND WHOSE NAME APPEARS ON THE LOAN DOCUMENTS.
AN OVERDRAFT LOAN, ALSO CALLED BOUNCE-CHECK PROTECTION OR COURTESY OVERDRAFT PROTECTION, IS A HIGH-COST, SHORT-TERM CREDIT, PROVIDED BY A LENDER OR FINANCIAL INSTITUTIONS THAT COVERS THE SHORTAGE OF FUNDS CREATED WHEN A CUSTOMER OVERDRAFTS AN ACCOUNT TO CREATE A NEGATIVE BALANCE. AN OVERDRAFT LOAN IS EXEMPTED FROM FEDERAL TRUTH-IN-LENDING ACT INTEREST RATE DISCLOSURE REQUIREMENTS AND CAN CONTRIBUTE TO A DEVASTATING CYCLE OF DEBT.
A PAYDAY LOAN (ALSO CALLED “CASH ADVANCES,” “DEFERRED PRESENTMENT,” “DEFERRED DEPOSITS,” OR “CHECK LOANS”) IS A SHORT-TERM LOAN DESIGNED TO COVER A BORROWER’S EXPENSES UNTIL THE NEXT PAYDAY. A PAYDAY LOAN CUSTOMER MAY WRITE A POST-DATED CHECK OR SIGN AN AUTHORIZATION FOR THE LENDER TO TAKE A CERTAIN AMOUNT OF MONEY OUT OF AN ACCOUNT ELECTRONICALLY.
A PAYMENT OPTION ADJUSTABLE RATE MORTGAGE ALLOWS A BORROWER TO SELECT A MORTGAGE PAYMENT OPTION EACH MONTH, INCLUDING A VERY MINIMAL PAYMENT WHICH RESULTS IN NEGATIVE AMORTIZATION.
PAYMENT SHOCK OCCURS WHEN A DEBTOR EXPERIENCES AN UNMANAGEABLE RISE IN A MONTHLY MORTGAGE PAYMENT. THIS IS USUALLY THE RESULT OF AN INCREASE IN THE INTEREST RATE ON AN ARM LOAN.
PERSONAL FINANCE IS THE APPLICATION OF THE PRINCIPLES OF FINANCE DEALING WITH THE FINANCIAL DECISIONS OF AN INDIVIDUAL.
PERSONAL PROPERTY INCLUDES ANY PROPERTY OTHER THAN REAL ESTATE
PITI, OR PRINCIPAL + INTEREST + TAXES + INSURANCE, REFERS TO THE BORROWER’S TOTAL MONTHLY MORTGAGE EXPENSE.
A PLAINTIFF, ALSO KNOWN AS A CLAIMANT OR COMPLAINANT, IS A PERSON OR BUSINESS THAT BEGINS A LAWSUIT.
A POINT OR LOAN DISCOUNT POINT IS COST OF THE CREDIT IMPOSED BY THE LENDER. POINTS MAY BE PREPAID IN CASH OR FINANCED AS PART OF THE LOAN PRINCIPAL. ONE POINT EQUALS ONE PERCENT OF THE LOAN AMOUNT.
A POWER OF SALE CLAUSE IS A PROVISION IN A MORTGAGE OR DEED OF TRUST THAT PERMITS THE MORTGAGEE OR TRUSTEE TO SELL THE PROPERTY WITHOUT COURT AUTHORITY OR SUPERVISION IN THE EVENT OF DEFAULT.
PREDATORY LENDING IS ANY LENDING, WHETHER UNDERTAKEN BY A CREDITOR, BROKER, OR HOME IMPROVEMENT CONTRACTOR, WHICH INVOLVES ENGAGING IN DECEPTION OR FRAUD; MANIPULATING THE BORROWER THROUGH AN AGGRESSIVE SALES TACTIC; OR, TAKING UNFAIR ADVANTAGE OF A BORROWER’S LACK OF UNDERSTANDING ABOUT THE LOAN TERMS.
PREEMPTION REFERS TO A HIGHER JURISDICTION LAW OR RULE DIRECTLY OVERRIDING A LOWER JURISDICTION LAW OR RULE. PREEMPTION PROVISIONS IN A FEDERAL LAW GENERALLY OVERRIDE STATE LAWS GOVERNING THE SAME TOPIC.
PREPAYMENT OF A DEBT OCCURS WHEN ALL OR PART OF THE DEBT IS PAID BEFORE IT IS DUE.
A PREPAYMENT PENALTY IS A FEE CHARGED BY A LENDER IF THE BORROWER PAYS THE LOAN OFF EARLY.
A PRE-SALE OCCURS WHEN PROPERTY IS SOLD ON THE MARKET PRIOR TO AN IMPENDING FORECLOSURE OR REPOSSESSION, USUALLY WITH THE LENDER’S CONSENT.
PRINCIPAL IS THE AMOUNT BORROWED IN A LOAN.
PRIVATE MORTGAGE INSURANCE (PMI) IS ALSO KNOWN AS LENDERS MORTGAGE INSURANCE (LMI) AND PROTECTS LENDERS AGAINST LOSS IF A BORROWER DEFAULTS. THIS INSURANCE IS USUALLY REQUIRED WHEN A BORROWER MAKES LESS THAN A 20% DOWN PAYMENT.
A PROCESSING FEE CAN BE CHARGED BY A CREDITOR TO PROCESS OR HANDLE A LOAN APPLICATION.
PROPERTY FLIPPING IS A TERM THAT DESCRIBES AN INVESTOR OR SPECULATOR WHO BUYS A PROPERTY AT A LOW PRICE IN ORDER TO RESELL IT FOR A HUGE PROFIT. PROPERTY FLIPPING OFTEN RELIES ON FALSIFIED APPRAISALS TO JUSTIFY AN INFLATED HOME VALUE.
A PROPERTY INSPECTION FEE MAY BE CHARGED BY A LOAN SERVICER FOR PROPERTY INSPECTIONS SUCH AS A DRIVE-BY. SUCH AN INSPECTION MAY BE NECESSARY TO DETERMINE THE PHYSICAL CONDITION OR OCCUPANCY STATUS OF THE LENDER’S PROPERTY.
PRO SE (ALSO CALLED “PRO PER”) DESCRIBES A PERSON WHO REPRESENTS HIMSELF WITHOUT AN ATTORNEY IN A LEGAL CASE OR PROCEEDING SUCH AS A BANKRUPTCY.
PUNITIVE DAMAGES MAY BE IMPOSED BY A COURT TO PUNISH A PARTY WHICH IS RESPONSIBLE FOR SERIOUS MISCONDUCT AND TO DETER ANY FURTHER SIMILAR MISCONDUCT.
A PURCHASE MONEY MORTGAGE (ALSO KNOWN AS “SELLER FINANCING” OR “OWNER FINANCING”) IS A TYPE OF MORTGAGE WHERE THE PURCHASER BORROWS DIRECTLY FROM THE SELLER, RATHER THAN A LENDER.
A PURCHASE MONEY SECURITY INTEREST IS A LIEN ON PROPERTY THAT ARISES WHEN A PURCHASER AGREE TO ALLOW A LENDER TO TAKE AS COLLATERAL THE PROPERTY BEING PURCHASED WITH THE LOAN.
A QUITCLAIM DEED IS A DOCUMENT ALLOWING A REAL ESTATE OWNER TO CONVEY TO ANOTHER PERSON THE OWNER’S LEGAL RIGHT TO, INTEREST IN AND TITLE TO A PROPERTY. THIS TYPE OF DEED CONTAINS NO WARRANTY OR STATEMENT REGARDING CLAIMS, IF ANY, THAT OTHERS MIGHT HAVE IN THE PROPERTY.
REAFFIRMATION OF A DEBT IS AN AGREEMENT IN THE BANKRUPTCY PROCESS BETWEEN THE DEBTOR AND THE CREDITOR TO PAY BACK A DEBT THAT WOULD OTHERWISE BE DISCHARGED IN BANKRUPTCY.
REAMORTIZATION OF A LOAN OCCURS WHEN THE DEBT PAYMENT SCHEDULE IS RECALCULATED BASED ON LOAN TERMS THAT ARE DIFFERENT FROM THE ORIGINAL TERMS.
TO REDEEM IS TO BUY BACK OR OTHERWISE RECOVER COLLATERAL FROM A CREDITOR AFTER FORECLOSURE OR REPOSSESSION.
REDLINING IS THE REFUSAL BY A LENDER TO EXTEND CREDIT TO RESIDENTS OF A SPECIFIC GEOGRAPHIC AREA DUE TO RACE, ETHNICITY, AGE, OR SEX. THIS USUALLY OCCURS IN DECLINING INNER-CITY NEIGHBORHOODS.
REFINANCING IS THE PROCESS OF PAYING OFF A CURRENT LOAN BY BORROWING NEW MONEY EITHER FROM AN EXISTING CREDITOR OR A NEW CREDITOR.
REFUND ANTICIPATION LOAN. SEE “TAX REFUND ANTICIPATION LOANS.”
REGISTRY OF DEEDS (ALSO CALLED LAND RECORDS OR RECORDER’S OFFICE) ARE OFFICES WHERE PROPERTY DEEDS, MORTGAGES, OR DEEDS OF TRUST, ASSIGNMENTS, LIENS, AND OTHER DOCUMENTS AFFECTING REAL PROPERTY ARE FILED.
RENT-TO-OWN (RTO) IS A TERM FOR RETAIL BUSINESSES WHICH RENT MERCHANDISE TO A CONSUMER FOR A STATED PERIOD, AFTER WHICH THE CONSUMER OWNS THE MERCHANDISE. RTO BUSINESSES ARE NOT REQUIRED TO DISCLOSE INTEREST RATES, ALTHOUGH THE TRANSACTION IS MUCH LIKE A LOAN IN THAT THE COMPANY MAY LEVY UNLIMITED FINANCE CHARGES FOR LATE PAYMENTS, AND MAY REPOSSESS THE MERCHANDISE. PEOPLE MAY RENT-TO-OWN REAL ESTATE BUT UNDER DIFFERENT TERMS THAN THAT OF BUSINESS MERCHANDISE.
REPLEVIN IS A LEGAL PROCESS IN WHICH A CREDITOR MAY RECOVER PERSONAL OR REAL PROPERTY ON WHICH IT CLAIMS A LIEN.
A RETALIATORY EVICTION IS AN EVICTION WHERE A LANDLORD SEEKS TO PUNISH A TENANT FOR HAVING PREVIOUSLY EXERCISED HIS OR HER LEGAL RIGHTS AGAINST THE LANDLORD.
A REVERSE MORTGAGE IS A LOAN AVAILABLE ONLY TO OLDER HOMEOWNERS WHO HAVE BUILT UP SUBSTANTIAL EQUITY IN THEIR PROPERTY THAT RELEASES THE EQUITY IN THE HOME. IN A REVERSE MORTGAGE, MONEY IS DRAWN BASED THE VALUE OF THE PROPERTY WITHOUT AN IMMEDIATE REPAYMENT OBLIGATION, BECAUSE THE LENDER EXPECTS REPAYMENT BY SALE OF THE PROPERTY AT SOME POINT IN THE FUTURE. A REVERSE MORTGAGE MAY BE THE ONLY MORTGAGE ON A PROPERTY.
REVERSE REDLINING OCCURS WHEN CREDIT IS EXTENDED ON UNFAIR TERMS TO THOSE INDIVIDUALS IN CERTAIN COMMUNITIES BASED UPON RACE, ETHNICITY, SEX, OR AGE.
ROLLOVER IS THE PROCESS OF TAKING OUT A NEW LOAN OF SUBSTANTIALLY SIMILAR TERMS AS THE PERVIOUS IN ORDER TO PAY OFF THE PREVIOUS LOAN WHICH HAS REACHED ITS TERMINATION PERIOD.
SATISFACTION OF A LOAN IS EVIDENCED BY A LEGAL DOCUMENT SUCH AS A RELEASE-OF-LIEN OR A RELEASE-DEED WHICH STATES A DEBT HAS BEEN FULLY PAID OR THAT PARTIAL PAYMENT HAS BEEN ACCEPTED AS PAYMENT IN FILL.
THE SECONDARY MARKET REFERS TO THE BUYING AND SELLING OF EXISTING MORTGAGES BETWEEN OTHER LENDERS OR INVESTORS. THESE TRANSACTIONS ARE USUALLY DONE IN “POOLS” OR “BULK” TRANSACTIONS. THE SECONDARY MARKET PROVIDED THE LIQUIDITY NECESSARY FOR MORTGAGE COMPANIES SPECIALIZING IN HOME EQUITY LENDING TO OPERATE WITH A SMALL CAPITAL BASE. THEY CAN OBTAIN A LINE OF CREDIT FROM A MAJOR BANK, ORIGINATE LOANS, AND THEN OBTAIN MONEY TO MAKE NEW LOANS BY SELLING THEM TO INVESTORS. THE SECONDARY MARKET INCLUDES “WHOLESALE” LENDERS WHO BUY LOANS FROM SMALL LENDERS, AND THE SECURITIZATION MARKET, WHERE MORTGAGE LOANS ARE POOLED AND SOLD TO INVESTORS. FANNIE MAE AND FREDDIE MAC ARE PART OF THE SECONDARY MARKET.
A SECURED CREDIT CARD IS A CREDIT CARD FOR WHICH THE CARD ISSUER REQUIRES THAT THE CARD HOLDER PLACE A CERTAIN AMOUNT OF MONEY IN A DEPOSIT ACCOUNT WITH THE CARD ISSUER. IF THE DEBTOR DEFAULTS ON THE CREDIT CARD, THE CARD ISSUER CAN SEIZE THE MONEY IN THE BANK ACCOUNT.
A SECURED CREDITOR IS ANY CREDITOR THAT HAS A SECURITY INTEREST IN THE DEBT.
A SECURED DEBT IS ANY DEBT FOR WHICH THE CREDITOR HAS COLLATERAL IN THE FORM OF A MORTGAGE, LIEN, OR SECURITY INTEREST IN CERTAIN ITEMS OF PROPERTY. THE CREDITOR CAN SEIZE THE COLLATERAL IN THE EVENT OF DEBTOR DEFAULT.
SECURITIZATION IS A STRUCTURED FINANCE PROCESS WHICH DISTRIBUTES RISK BY POOLING DEBT INSTRUMENTS TOGETHER, THEN ISSUING NEW SECURITIES OR BONDS BACKED BY THE POOL. THE BONDS WILL BE FUNDED BY THE CASH FLOW THE DEBTORS MAKE ON THE UNDERLYING POOL OF DEBT INSTRUMENTS.
SECURITY INTEREST. SEE LIEN.
SERVICER. SEE MORTGAGE SERVICER
A SETTLEMENT IS THE CLOSING OF A MORTGAGE LOAN.
A SETTLEMENT STATEMENT (“THE HUD-1”) IS REQUIRED UNDER RESPA WHEREBY A MORTGAGE LENDER MUST GIVE TO THE BORROWER A DISCLOSURE AT CLOSING, OR ONE DAY IN ADVANCE OF CLOSING IF THE CONSUMER REQUESTS IT. THE SETTLEMENT STATEMENT SHOULD BE THE FINAL STATEMENT OF SETTLEMENT COSTS.
SHORT-TERM CREDIT IS CREDIT THAT IS USUALLY EXTENDED FOR A PERIOD OF LESS THAN A MONTH. PAYDAY LENDERS OFFER EXTREMELY SHORT-TERM CREDIT, TYPICALLY A FEW DAYS TO ONE MONTH, AND OFTEN CHARGE INTEREST RATES IN THE TRIPLE DIGITS.
A STATE LAW IS PASSED BY AN INDIVIDUAL STATE LEGISLATURE AND APPLIES TO TRANSACTIONS IN THAT STATE ONLY.
A STATUTE IS A LAW PASSED BY A STATE OR FEDERAL LEGISLATIVE BODY. A LAW PASSED BY A LOCAL BODY, SUCH AS A CITY COUNCIL, IS USUALLY REFERRED TO AS AN ORDINANCE.
STATUTORY DAMAGES ARE PRE-ESTABLISHED DAMAGES FOR CASES WHERE CALCULATING A CORRECT SUM IS DEEMED DIFFICULT.
STEERING OCCURS WHEN A CERTAIN BORROWER IS ROUTED TO A LENDER THAT CHARGES HIGHER FEES OR INTEREST RATES THAN THE BORROWERS’ CREDIT SHOULD QUALIFY FOR.
STRUCTURED FINANCE IS A BROAD TERM WHICH DESCRIBES A SEGMENT OF FINANCE THAT WAS DESIGNED TO HELP TRANSFER RISK BY USING COMPLEX LEGAL AND CORPORATE ENTITIES TO SECURITIZE FINANCIAL ASSETS.
A SUBPOENA IS A DOCUMENT NORMALLY ISSUED BY A COURT IN CONNECTION WITH A LAWSUIT THAT DEMANDS A PERSON ATTEND COURT OR A LAW OFFICE AT A PARTICULAR TIME.
A SUBPRIME LOAN HAS A HIGHER APR THAN A COMPARABLE PRIME LOAN. SUBPRIME LENDING IS GENERALLY DEFINED AS LESS THAN “A,” OR PRIME, LENDING. THE HIGHER APR OF A SUBPRIME LOAN COMPENSATES FOR THE INCREASED RISK OF THE LOAN. SUCH RISK CAN BE ATTRIBUTED TO A BORROWER HAVING NO CREDIT HISTORY OR PAST CREDIT PROBLEMS. MANY PREDATORY MORTGAGES OCCURS IN THE SUBPRIME MARKET.
A SUMMONS IS A LEGAL DOCUMENT ISSUED BY A COURT THAT IS SERVED AT THE BEGINNING OF THE LAWSUIT TO TELL THE DEFENDANT THAT A LEGAL PROCEEDING HAS BEEN STARTED. THE TERM “SUMMONS” MAY ALSO SOMETIMES BE USED INTERCHANGEABLY WITH THE TERM “SUBPOENA” IN THE CONTEXT A PERSON IS BEING REQUESTED TO BE AT A PARTICULAR PLACE AT A PARTICULAR TIME.
TARGETING IS A TERM THAT REFERS TO A DISCRIMINATORY LENDER PRACTICE OF SPECIFICALLY MARKETING HIGH-COST OR PREDATORY LOANS TO POTENTIAL CUSTOMERS BASED SOLELY ON FACTORS SUCH AS RACE, ETHNICITY, OR AGE. TARGETING OFFERS PREDATORY LOANS WITH ABUSIVE TERMS AND CONDITIONS.
A TAX REFUND ANTICIPATION LOAN IS A HIGH-INTEREST, SHORT TERM LOAN TO BE REPAID OUT OF THE DEBTOR’S EXPECTED TAX REFUND.
A TITLE IS A LEGAL DOCUMENT ESTABLISHING THE RIGHT OF OWNERSHIP AND POSSESSION.
TITLE INSURANCE PROTECTS THE LENDER (LENDER’S POLICY) OR THE BUYER (BUYER’S POLICY) AGAINST LOSS ARISING FROM DISPUTES OVER OWNERSHIP OR A PROPERTY.
A TITLE SEARCH IS A CHECK OF THE TITLE RECORDS TO ENSURE THAT THE SELLER IS THE LEGAL OWNER OF THE PROPERTY AND THAT THERE ARE NO LIENS OR OTHER CLAIMS OUTSTANDING ON THE PROPERTY.
TORT LAW ADDRESSES, AND PROVIDES REMEDIES FOR, CIVIL WRONGS NOT ARISING OUT OF CONTRACTUAL OBLIGATIONS.
A TRANCHE REFERS TO ONE OF A NUMBER OF RELATED SECURITIES OR BONDS OFFERED AS PART OF THE SAME TRANSACTION. IN THE FINANCIAL SENSE OF THE WORD, EACH BOND IS A DIFFERENT SLICE, OR TRANCHE, OF RISK. TRANCHES ARE TYPICALLY IDENTIFIED AS “CLASSES” OF NOTES WHICH ARE IDENTIFIED BY LETTER (E.G. THE CLASS A, CLASS B, CLASS C SECURITIES.)
TRIPLE-DIGIT INTEREST OCCURS IN PAYDAY LOANS AND OVERDRAFT LOANS. THE APR FOR PAYDAY AND OTHER PREDATORY CONSUMER LOANS MAY EXCEED 400%.
A TRUSTEE IS A PERSON OR BUSINESS THAT IS RESPONSIBLE FOR MANAGING THE ASSETS FOR OTHERS. A BANKRUPTCY TRUSTEE IS APPOINTED TO ADMINISTER THE BANKRUPTCY CASE AND ITS ASSETS IN ORDER TO MAXIMIZE THE RECOVERY FOR UNSECURED CREDITORS.
AN UNSECURED CREDITOR IS A CREDITOR THAT HAS NO COLLATERAL FOR THE DEBT OWED.
UNDERWRITING IS THE PROCESS OF ASSESSING THE RISK OF A LOAN BY APPLYING ESTABLISHED LENDING CRITERIA TO THE QUALIFICATIONS OF A PARTICULAR LOAN APPLICANT.
AN UNDERWRITING FEE IS A FEE CHARGED BY A CREDITOR TO PERFORM UNDERWRITING.
UNEARNED INCOME MEANS INCOME WHICH IS COLLECTED IN ADVANCE OF THE PERFORMANCE OF A CONTRACT; OR, INCOME WHICH IS DERIVED FROM INVESTMENTS, SUCH AS DIVIDENDS, PROPERTY RENTALS, AND OTHER SOURCES NOT INVOLVING THE INDIVIDUAL’S DIRECT PERSONAL EFFORTS.
UNEARNED INTEREST MEANS INTEREST ON A LOAN WHICH HAS ALREADY BEEN COLLECTED BUT HAS NOT YET BEEN EARNED BECAUSE THE BORROWER HAS NOT HAD THE PRINCIPAL LONG ENOUGH FOR THE INTEREST TO BE EARNED.
UNSECURED DEBT IS DEBT THAT HAS NO COLLATERAL.
USURY IS INTEREST CHARGES THAT ARE EXORBITANT OR HIGHER THAN ALLOWED BY LAW. EXAMPLES INCLUDE PAYDAY, OVERDRAFT, AND AUTO TITLE LOANS.
A VARIABLE RATE INTEREST RATE CHANGES PERIODICALLY IN RELATION TO AN INDEX.
A VARIABLE-RATE MORTGAGE CONTAINS AN INTEREST RATE THAT CAN CHANGE OVER TIME. THE CHANGES AFFECT THE MONTHLY PAYMENTS.
A WAGE IS COMPENSATION PAID TO AN EMPLOYEE.
WAGE ASSIGNMENT IS AN AGREEMENT TO HAVE WAGES PAID TO SOMEONE ELSE OTHER THAN THE WAGE EARNER.
WAGE GARNISHMENT ALLOWS A LENDER TO LEGALLY OBTAIN PART OF A DEBTOR’S WAGES DIRECTLY FROM THE DEBTOR’S EMPLOYER FOR REPAYMENT OF A DEFAULTED DEBT.
A WARRANTY IS A WRITTEN, EXPRESS, OR IMPLIED STATEMENT PROVIDING ASSURANCE THAT THE GOODS OR SERVICES SOLD WILL MEET CERTAIN STANDARDS.
A WORKOUT AGREEMENT IS A PLAN APPROVED BY BOTH THE BORROWER AND THE LENDER WHICH MODIFIES LOAN PAYMENTS.
A YIELD SPREAD PREMIUM (YSP) IS A FEE FROM A LENDER TO A MORTGAGE BROKER PAID WHEN THE BROKER ARRANGES A LOAN WHERE THE INTEREST RATE ON THE LOAN IS GREATER THAN THE “PAR” RATE. THE PAR RATE IS THE BASE RATE AT WHICH THE LENDER WILL MAKE A LOAN TO BORROWER ON A GIVEN DAY.
A ZERO-COUPON BOND IS A SECURITY SOLD AT A DEEP DISCOUNT FROM ITS FACE VALUE AND REDEEMED AT ITS FULL FACE VALUE AT MATURITY.
A 401(K) PLAN IS AN EMPLOYER-SPONSORED INVESTMENT PLAN THAT ALLOWS INDIVIDUALS TO SET ASIDE TAX-DEFERRED INCOME FOR RETIREMENT OR EMERGENCY PURPOSES. A 401(K) PLAN IS PROVIDED BY AN EMPLOYER THAT IS A PRIVATE CORPORATION.
A 403(B) PLAN IS AN EMPLOYER-SPONSORED INVESTMENT PLAN THAT ALLOWS INDIVIDUALS TO SET ASIDE TAX-DEFERRED INCOME FOR RETIREMENT OR EMERGENCY PURPOSES. A 403(B) PLAN IS PROVIDED BY AN EMPLOYER THAT IS A NOT FOR PROFIT ORGANIZATION.
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residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
Residential credit experts
residentialcreditexperts
Credit Dallas
creditdallas
CMA Financial Corporation
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.
If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp.com if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter. Some of the websites that are not legally associated with Texas-registered CMA Financial Corporation are: http://www.creditmanagementassociates.com
http://www.residentialcreditexperts.com
http://www.creditdalas.com
http://www.cmafincorp.com
http://www.hbcprogram.com
http://www.dacponline.com
We do business under the following names: CMA, CMA Financial, CMA Financial Corp., CMA Financial Corporation and can assist you with all the following:
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good credit report
help with credit card debt
house loans
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how to fix my credit
how to fix your credit
how to repair bad credit
how to repair your credit
improve bad credit
improve credit
improve credit rating
improve credit score
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instant credit repair
loan for bad credit
loan modification
loan with bad credit
loans for bad credit
loans for people with bad credit
loans with bad credit
loss mitigation
mortgage credit report
mortgages
my credit report
new credit file
new start financial opportunity
no credit
paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
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raise credit score
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reduce credit card debt
reducing credit card debt
remove bad credit
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restore credit
settle credit card debt
your credit report
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free credit repair
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get out of credit card debt
good credit report
help with credit card debt
house loans
how to fix bad credit
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how to fix my credit
how to fix your credit
how to repair bad credit
how to repair your credit
improve bad credit
improve credit
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instant credit repair
loan for bad credit
loan modification
loan with bad credit
loans for bad credit
loans for people with bad credit
loans with bad credit
loss mitigation
mortgage credit report
mortgages
my credit report
new credit file
new start financial opportunity
no credit
paying off credit card debt
personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
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raise credit score
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reduce credit card debt
reducing credit card debt
remove bad credit
repair bad credit
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repairing bad credit
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restore credit
settle credit card debt
your credit report
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