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Fair Credit Reporting Act
A federal law that regulates the collection, dissemination, and use of consumer credit information to ensure accuracy and privacy.
Fair Debt Collection Practices Act
A US federal law aimed at preventing abusive, deceptive, and unfair practices by debt collectors when collecting debts.
Open-end Credit
A pre-approved loan between a financial institution and borrower that can be used repeatedly up to a certain limit and can be repaid prior to payments coming due.
Unpaid Balances
Amounts owed that have not been paid by the due date.
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