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Postby REORTIERO » Wed Jan 16, 2013 4:34 pm

Consumer Credit Counseling Service Organization: A non-profit organization that assists consumers in handling their credit problems. It mainly provides counseling service or guidance to customers about budgeting and fund management, which is called 'credit counselling'. Percentage of the debt that is to be repaid to the credit grantors in a Chapter 13 bankruptcy.
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Item-specific Statement Reflects the previous history of the account, including any delinquencies or derogatory conditions occurring during the previous seven years (i.e., Current account, delinquent 30, current was 60, redeemed repossession, charge-off – now paying, etc.)
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Guaranteed Issue Right - The right to purchase insurance without physical examination; the present and past physical condition of the applicant are not considered. Regular APR: It is the regular or ongoing annual percentage rate that becomes applicable on all purchases and balance transfers, once the introductory period ends.
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Settlement: Also known as 'closing', it is the finalization of the sale of a property, wherein the ownership of that particular property is transferred from the seller to the buyer. The buyer is required to complete the formalities by signing the mortgage document and paying all the closing costs. 'Closing' or 'settlement cost' is the term used to refer to all the expenses, like, taxes, attorney's fees, origination fees, and some other costs, all of which are incurred during the transfer of the ownership of a property. FIRE INSURANCE
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