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Credit Report
A detailed report of an individual's credit history prepared by a credit bureau and used by a lender to determine a loan applicant's creditworthiness.
12 Months
A duration of time equal to one full year, consisting of 365 days, or 366 days in a leap year.
Cooling-Off Rule
Regulation that allows consumers a set period to cancel contracts or purchases without penalty, often applied to door-to-door sales and certain loans.
Door-to-door Sales
The direct selling method where salespersons solicit business by visiting households or businesses without prior appointment.
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