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Fixing your credits

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Bankruptcy
When a doctor's assets are sold to settle uupaid debts and the debtor is no longer responsible for further debt beyond what was recovered
Certified Mail
mail that gives the sender proof of receipt from the U.S. postal service
Credit History
a summary of a person's borrowing and repment history
Credit Report
a report on a person's creditworthiness that includes identifying information, credit cards, late payments, bankruptcies, and savings balances
Fair Credit Reporting Act (FCRA)
federal law giving consumers the right to view and correct thier credit information
FICO Expansion Score
a creditworthiness score that, like the regular FICO score, has a scale of 300-850, but is based on nontraditional accounts and financil information sources and is designed for young persons
FICO Score
credit score form 300-850 that rates how likely a person is to fall 90 days behind in a payment
Foreclosure
when a bank takes back a property and auctions it off to recover the unpaid loan amount
Installment Loan
loan with equal number of payments of the same amount over a fixed period of time
Lien
a promise to reclaim an item bought with loaned money if the loan is not repaid