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DDDLoans FAQ Page. Frequently asked questions, definitions, descriptions, google, bing, yahoo. help.

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DDDLoans FAQ Page. Frequently asked questions, definitions, descriptions, google, bing, yahoo. help

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DDDLoans FAQ Page. Frequently asked questions, definitions, descriptions, google, bing, yahoo. help

Credit Glossary

Credit terms glossary. Loans, credit, billing cycle, credit, credit report, credit score, financing

Credit Glossary


      An account is the relationship between a consumer and a company.  An open account means the relationship is ongoing, while a closed  account indicates the relationship has ended.     

Account Number 

      An account number is a unique number that identifies the account a  consumer has with a company. Adverse Action An adverse action is an  unfavorable action, which could include being rejected for a line of  credit. The reason for an adverse action must be divulged by the  creditor.     

Bank Card 

      A bank card is a card issued by a bank which is linked directly to  a bank account. Bankruptcy Bankruptcy is a legal process that allows a  person or business to alleviate some debts, sometimes at the expense of  the creditor.     

Billing Cycle 

      The billing cycle is the time between your latest bill and your previous bill.     

Chapter 7 Bankruptcy 

      Chapter 7 bankruptcy issues court-administered liquidation of the  assets of an individual or business that is not capable of repaying  debts.     

Chapter 11 Bankruptcy 

      Chapter 11 bankruptcy allows for a troubled business to reorganize as an alternative to liquidation.     

Chapter 12 Bankruptcy 

      Chapter 12 bankruptcy is bankruptcy that applies to the farming industry.     

Chapter 13 Bankruptcy 

      Chapter 13 bankruptcy results in the debtor repaying the debts on a  schedule agreed upon by the debtor, creditors and court.     

Charge Card 

      A charge card is a credit card that must be paid in full every month, with no interest rate.     


      Collateral is property owned by the consumer that is to be forfeited by the consumer if the loan is not repaid.     


      Credit is the ability to borrow money or services on the agreement that it will be repaid.     

Credit Bureau 

      A credit bureau is a company that gathers information on consumers  and their credit, and then distributes that history at a cost to other  potential creditors.     

Credit Card 

      A credit card is a card issued by a creditor with a maximum amount  of credit that may be placed on the account. This account requires the  consumer to pay a monthly payment until the balance is paid off.     

Credit Limit 

      Your credit limit is the maximum amount you may charge on a credit card.     

Credit Report 

      A credit report is a record of your present and past credit use.  Under the Fair Credit Reporting Act, you have the right to see your  credit history.     

Credit Risk 

      An assessment of the likelihood a consumer will be able to fulfill the credit agreement.     

Credit Score 

      A credit score is a calculated score determined from a number of factors that indicates a consumer’s credit worthiness.     


      A creditor is any company or individual that issues credit to consumers.     


      A default is a failure to meet the repayments agreed upon in the credit agreement.     


      A dispute is a questioning of the accuracy of information in a credit report.     


      Fraud is intentional misuse of information in order to cause someone to give up something of value.     


      The characteristics of an individual consumer. Identity  information includes any information that can help identify a consumer,  including social security number, date of birth, etc.     


      An examination of a consumer’s credit history.     

Installment Loan 

      An installment loan is a loan in which the repayment is divided  into amounts to be repaid at specific intervals as defined in the terms  of the loan.     


      Lien is interest that a creditor maintains in the consumer’s property until the debt has been paid.     


      A mortgage is an agreement where the owner places a real property as collateral for a loan.     

Permissible Purpose 

      A permissible purpose is a particular circumstance under which a  potential creditor may access a consumer credit report from a credit  bureau under the Fair Credit Reporting Act.     

Public Record 

      Public record refers to information available to the general public, including court judgments and bankruptcy.     

Retail Card 

      A retail card is a credit card issued by a retail store.     

More FAQs Coming Soon.

 We will continue to offer additional FAQ's information on each of our services.  There will also be  a simplified USA.gov resource page to help you find what you are looking for faster and easier. Feel free to contact us when you need help finding the financial solution you were looking for.

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