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Credit Report
A detailed report of an individual's credit history prepared by a credit bureau, used by lenders to determine creditworthiness.
Credit Bureau
An agency that collects and aggregates individuals' credit information, providing credit reports to lenders.
Consent
Agreement or approval given freely and deliberately by a competent individual.
Magnuson-Moss Act
A federal law enacted in 1975 to protect consumers from deceptive warranty practices, applying to warranties on consumer products.
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