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According to Harris, the overall process of social evolution is driven by:
Unfavourable Credit Report
A credit report indicating a history of missed payments or financial mismanagement, which can negatively impact a consumer's ability to secure loans or credit.
Jurisdictions
The official power to make legal decisions and judgments, often within a specific geographic area or over certain types of legal cases.
Refusal of Credit
The denial of a request for borrowing money based on an assessment of creditworthiness.
Credit Reporting Legislation
Laws regulating the collection, access, and use of credit information about individuals.
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