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Identity Theft or Credit Theft: Stealing some key personal information like social security number, credit card details, etc., of an individual and using it for acquiring credit or making purchases. More on identity theft. Annual percentage rate (APR) Motor Vehicle Report (MVR) 
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Factor in determining creditworthiness. Capacity is assessed by weighing a borrower’s earning ability and the likelihood of continuing income against the amount of debt the borrower carries at the time the application for credit is made. While capacity may be considered in a credit decision, the credit report does not contain information about earning ability or the likelihood of continuing income. Electronic Funds Transfer: It refers to a transfer of funds through the electronic media. The procedures, as well as the rights and liabilities of the consumers who avail the facility of electronic fund transfers, are established by a federal legislation, known as 'The Electronic Funds Transfer Act'. INCONTESTABLE CLAUSE 
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Recent Payment Lease: A written document with detailed information about the terms and conditions under which the owner gives the possession and use of his real estate or other personal property to another individual, for a specific period of time, for a stated consideration. Known more about lease agreement. The date that a public record was awarded. 
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Standard abbreviation for Equal Credit Opportunity Act. Foreclosure: Foreclosure takes place in case of default, i.e., when a debtor fails to meet his repayment obligations. In such a situation, the lender can initiate legal proceedings to take the possession of the property that has been pledged as security to obtain the loan, which is termed as foreclosure. Net Investment Income - This item represents investment income earned during the year less investment expenses and depreciation on real estate. Investment expenses are the expenses related to generating investment income and capital gains but exclude income taxes. 
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