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Verifying whether data in a credit report is correct or not. Initiated by consumers when they question some information in their file. Credit reporting agencies will accept authentic documentation from the consumer that will help in the verification. When you see an entry on your credit report which you believe is incorrect or fraudulent, you can request an investigation to have the entry evaluated. There is no cost for this process, however it can take up to 30 days to complete – so it’s best that you allow for this period of time before applying for new credit. Insurance Regulatory Information System (IRIS) - Introduced by the National Association of Insurance Commissioners in 1974 to identify insurance companies that might require further regulatory review. 
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Unauthorized Use: Use of a credit card by someone who is not the authorized user. It can happen when a credit card is lost or stolen, which can then be used for making purchases without the knowledge of the authorized users. When the policy is terminated prior to the expiration date at the policyholder's request. Earned premium charged would be more than the pro-rata earned premium. Generally, the return premium would be approximately 90 percent of the pro-rata return premium. However, the company may also establish its own short-rate schedule. This indicated exactly who is responsible for the repayment of a particular debt – whether it be you, or another person (i.e. you were a co-signer). 
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Capacity is just one factor considered, and overall, it is given a “moderate” weighting in the overall credit decision process. Balance    The payments left to go on your contract. The company refuses to accept the request for insurance coverage. 
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Commission - Fee paid to an agent or insurance salesperson as a percentage of the policy premium. The percentage varies widely depending on coverage, the insurer and the marketing methods. A Chapter 11 Bankruptcy is defined in the Bankruptcy Code. This chapter gives permission to courts or authorized individuals to reshuffle or restructure the affairs of a business or individual. Stock Index: It is an index that measures a section of the stock market, or any changes in the share prices of a group of stocks. 
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