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A discount for people who have taken an approved driver training course. This discount is not available in all states or for all individuals. Variable APR: Variable annual percentage rate is often referred to as 'variable rate', which is the interest rate that changes periodically, over the life of a loan, in accordance with the changes in the interest rate in the market. The changes in variable interest rate are determined by the changes in the prime rate, which is the lending rate of the banking system. Out of pocket payments. The percentage of medical expenses not paid by insurance company. Only approved, allowable expenses apply toward out-of-pocket. 
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Insurance Terms Used in the Area of Sureties and Bonds Minimum Payment: The minimum sum required to be paid by the borrower to the credit card issuer Net Home Price: It is the selling price of a home after making all deductions for sale commissions. 
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Daily Balance: This is the amount that a borrower owes on a credit card, or other types of open-end credit, at the end of the day. Fair Debt Collection Practices Act (FDCPA): A federal law that prohibits certain methods employed for collecting debts. It mainly prohibits abusive, unfair and deceptive debt collection practices. Insurer 
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Deductible. The amount of covered charges an individual must pay before the insurance company begins payments. Insurance company can only require individual to pay 50% of the basic health services. Limited payment life insurance. Cash value life insurance on which premiums are paid for a specified number of years but the insurance remains in force for life. Providing the consumer with his or her credit history as required by the FCRA. Experian provides consumer credit report disclosures via the Internet, by U.S. Mail or in person at our office location in Santa Ana, CA. 
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