GLOSSARY

Fair Credit Billing Act (FCBA) Fair Credit Reporting Act (FCRA) Fair Debt Collection Practices Act (FDCPA) Federal Reserve Fees FICO Finance Charge Finance company Financial Assistance Agency Fixed Rate Fraud alert Free period
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FICO

Developed by the Fair, Isaac Company, the FICOŽ Score uses information contained in consumer credit files to determine a consumer's credit score ranging from the 300s to 900s. The FICOŽ Score credit scoring model is used by many creditors to help determine consumer creditworthiness.

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