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Economics

Across
your track record of paying your credit accounts
credit that can't be used again after it's paid off
of necessity.
Down
is interest calculated on the initial principal
a useful or valuable thing, person, or quality.
something, typically money, that is owed or due.
the largest and best known of several companies that provide software for calculating a person's credit score.
one of the largest credit reference agencies in the US
benefits a person or business to carry
a fundamental truth or proposition that serves as the foundation for a system of belief or behavior or for a chain of reasoning.