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CREDIT GLOSSARY
Katie's Credit Glossary

PREPARING KIDS FOR CREDIT, STUDENT ISSUES
Kids, Money, and Credit
College and Credit Cards, Student Credit Cards
How to Pay for College: Financial Aid information

ASK KATIE
The Truth About Debt Consolidation Programs
Credit & Divorce
Child Support & Deadbeat Dads
Choosing the Right Credit Card for You
Personal Bankruptcy Explained
If You Have Been Treated Unfairly By a Creditor

SCAMS!
Debt Consolidation Scams
Debt Elimination Scams
Debt Settlement Scams
Christian Credit Scams
Predatory Lenders
Identity Theft

BUYING A HOME
Tips for 1st Time Home Buyers
What to do if You've been Denied
Credit & Home Buying
Negotiating a Home

NEGOTIATING AND REPAIRING CREDIT
Negotiating Debt With Your Creditors
Your Rights Regarding Debt Collection
Free Credit Repair: How to Clean Up Your Own Credit
Easy Steps to Building or Re-establishing Good Credit
Disputing Mistakes on Credit Card Statements

CREDIT REPORT INFORMATION, CREDIT SCORE INFORMATION
How to Get Your Credit Reports
How Long Do Entries Stay on My Credit Report?
How to Read Credit Reports
Credit Score, FICO Score Explained
Innovis: The Fourth Credit Bureau

LEGAL INFORMATION
Federal Law Concerning Credit

LINKS
Katie's Links

EMAIL KATIE
DISCLAIMER








 A

ACCOUNT NUMBER
ACCRUED EXPENSE
ACCRUED INCOME
ACCRUED INTEREST
ADD-ON INTEREST
AFFINITY CARD
AMORTIZATION
AMORTIZE
ANNUAL FEE
ANNUAL PERCENTAGE RATE
APPRAISAL
APPRAISAL FEE
APPRAISAL REPORT
APR
ASSET
AUTHORIZED ACCOUNT USER

 B

B OR C LOANS
BAD CREDIT
BALANCE TRANSFER
BALANCES
BALLOON PAYMENT
BANKRUPTCY
BEACON SCORE
BILLING CYCLE
BILLING ERROR
BORROWER
BUDGET
BUMP UP LETTER
BUYDOWN

 C

CAPITAL CASH RESERVES
CD OR CERTIFICATE OF DEPOSIT
CHARGE OFF
CHEXSYSTEMS
CLASS-ACTION LAWSUIT
CLOSED-END CREDIT
CLOSING COSTS
CM
COLLATERAL
COLLECTION ACCOUNT
COMMISSION
COMMUNITY PROPERTY STATES
COMPENSATING FACTORS
COMPOUND INTEREST RATE
CONSOLIDATION LOAN
CONSUMER
CONTINGENCY BASIS
COSIGNER
CREDIT
CREDIT CARD
CREDIT COUNSELING SERVICE
CREDIT GRANTOR
CREDIT HISTORY
CREDIT MANAGER
CREDIT REPORTING AGENCY
CREDIT SCORE
CREDIT UNION
CREDIT WORTHINESS
CRISS-CROSS

 D

DATABASES
DEBIT CARD
DEBT MANAGEMENT PROGRAM
DEBT TO INCOME RATIO
DEBTOR
DEBTORS' HAVENS
DEED
DEED IN LIEU OF FORECLOSURE
DEFAULT
DEFAULTED STUDENT LOANS
DEFERMENT
DEPOSITION
DISCHARGED
DISCOUNT
DMP
DOWN PAYMENT

 E

ECOA
ENTITLEMENT
EQUAL CREDIT OPPORTUNITY ACT
EQUIFAX
EQUITY STRIPPING
ERRONEOUS INFORMATION
EXCESSIVE MORTGAGE BROKER COMPENSATION
EXCESSIVE POINTS AND FEES
EXEMPT ASSETS
EXPERION

 F

FAIR CREDIT REPORTING ACT
FAIR SHARE CONTRIBUTION
FANNIE MAE
FARMERS HOME ADMINISTRATION
FEDERAL HOUSING ADMINISTRATION
FEDERAL TRADE COMMISSION
FHA LOAN
FICO SCORE
FINANCE CHARGE
FINANCIAL AID
FIXED RATE
FIXED RATE MORTGAGE
FLIPPING
FORBEARANCE
FORECLOSURE
FRAUDULENT ACTIVITY
FREDDIE MAC
FTC

 G

GARNISHMENT
GRACE PERIOD
GRADUATED PAYMENT
GROSS INCOME

 H

HARD INQUIRY
HARDSHIP AND HARDSHIP PROPOSALS
HEAL REWARDS
HISTORY OF LATE PAYMENT
HOLDER
HOME EQUITY LOAN
HOT CHECKS
HOUSEHOLD INCOME

 I

IN-SCHOOL AND GRACE INTEREST SUBSIDY
INCOME-BASED REPAYMENT
INDEPENDENT BANK
INDEXED RATE
INNOVIS
INQUIRY
INSTALLMENT CONTRACT
INSTALLMENT LOAN
INSURANCE FEE
INSURANCE PACKING
INTEREST RATE
INTEREST RATE CAP
INTEREST RATE CEILING
INTERNET BANK
INTRODUCTORY RATE
ISSUING FINANCIAL INSTITUTION

 J

JOINT ACCOUNTS
JUDGMENT

 L

LATE FEE
LATE PAYMENTS
LAUREATE
LEASE
LESSEE
LESSOR
LIABILITY ON AN ACCOUNT
LIEN
LIFETIME RATE CAP
LOAN
LOAN APPLICATION
LOAN APPLICATION FEE

 M

MARGIN
MERCHANT CREDIT LINE
MONEY MARKET ACCOUNT
MONEY ORDERS
MONTHLY INTEREST RATE
MORTGAGE
MORTGAGE INSURANCE
MORTGAGE QUALIFYING RATIO

 N

NATIONAL FOUNDATION FOR CONSUMER CREDIT
NEGATIVE AMORTIZATION
NET INCOME
NINE-DIGIT ZIP CODE
NON PROFIT 501-C3
NON-DISCHARGEABLE DEBT

 O

ONLINE BANKING
OPEN 30 DAY ACCOUNT
OPEN-END CREDIT
OPEN-END LEASE
ORIGINATION
ORIGINATION FEE
OVERDRAFT CHECKING ACCOUNT

 P

PELL GRANT PROGRAM
PERKINS LOANS
POINT-OF-SALE
POINTS AND ORIGINATION FEES
POS
PREPAID TUITION PLAN
PREPAYMENT
PREPAYMENT PENALTY
PROMISSORY NOTE
PROPOSALS
PUBLIC RECORD INFORMATION

 R

RE-PRIORITIZE
REFINANCE
REGULATORY AGENCIES
RENEGOTIABLE RATE
REPLY CARD TRACER
REPOSSESSION
RESPA
RETURN RECEIPTS
REVOLVING ACCOUNT
REVOLVING CHARGE CARD
RISK BASED PRICING
RISK FREE

 S

SCAM
SCHOLARSHIPS
SCORING SYSTEM
SECONDARY MARKET
SECURED CREDIT CARD
SECURED CREDITOR
SECURED LOAN
SECURITY
SECURITY INTEREST
SELLERS POINTS
SEOG
SERIALIZATION
SERVICE CHARGE
SERVICER
SIMPLE INTEREST RATE
SKIP
SKIPTRACING
SMART CARD
SMART LOAN ACCOUNT
SOCIAL SECURITY NUMBER
STAFFORD LOANS
STATEMENT
STATEMENT DATE
SUB-PRIME
SUBSIDIZED STAFFORD LOANS

 T

TELEMARKETER
TELEPHONE BANKING
TENANT
TERMS
THIRD-PARTY DEBT COLLECTOR
THRIFT
TITLE INSURANCE
TITLE SEARCH
TRANS UNION
TRUTH-IN-LENDING

 U

UNCOLLECTIBLE
UNDERWRITING
UNSUBSIDIZED STAFFORD LOANS
US DEPARTMENT OF EDUCATION
US DEPARTMENT OF HEALTH AND HUMAN SERVICES

 V

VA LOAN
VARIABLE EXPENSES
VARIABLE RATE
VISA

 W

WAGE-EARNER PLAN
WAIVER
WIRE TRANSFER
WRAPAROUND LOAN



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