Category:Credit report: Difference between revisions
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A '''credit rating agency''' ('''CRA''', also called a '''ratings service''') is a company that assigns [[Wikipedia:credit rating|credit rating]]s, which rate a debtor's ability to pay back debt by making timely interest payments and the likelihood of [[Wikipedia:Default (finance)|default]]. These agencies have access to confidential information from institutions like banks, via user agreements with the bank. |
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A potential creditor may request a credit report, with the debtor's permission, outlining credit history, aggregate bank account information including balances, and other assets. In many jurisdiction it is a felony offense to misuse this information or obtain it by fraudulent means. |
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Credit rating agencies are required by law to keep a log of requests for credit information, which can be reviewed by an individual requesting their own credit report. |
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===Use in Scientology=== |
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From many accounts{{dox}}, Scientology makes heavy use of credit information in its operations. Registrars frequently seem to have access to current credit information and bank balances, and can suggest ways of obtaining more credit including coaching members on what to say to banks and credit card companies.{{dox}} |
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==See also== |
==See also== |
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*{{Wikipedia-inline|Credit rating agency}} |
*{{Wikipedia-inline|Credit rating agency}} |
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*{{Wikipedia-inline|Big Three (credit rating agencies)}} |
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==Notes== |
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[[Category:Scientology practice]] |
[[Category:Scientology practice]] |
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Revision as of 16:43, 13 February 2018
A credit rating agency (CRA, also called a ratings service) is a company that assigns credit ratings, which rate a debtor's ability to pay back debt by making timely interest payments and the likelihood of default. These agencies have access to confidential information from institutions like banks, via user agreements with the bank.
A potential creditor may request a credit report, with the debtor's permission, outlining credit history, aggregate bank account information including balances, and other assets. In many jurisdiction it is a felony offense to misuse this information or obtain it by fraudulent means.
Credit rating agencies are required by law to keep a log of requests for credit information, which can be reviewed by an individual requesting their own credit report.
Use in Scientology
From many accounts[dox], Scientology makes heavy use of credit information in its operations. Registrars frequently seem to have access to current credit information and bank balances, and can suggest ways of obtaining more credit including coaching members on what to say to banks and credit card companies.[dox]
See also
Credit rating agency article from Wikipedia- Big Three (credit rating agencies) article from Wikipedia
Notes
Pages in category "Credit report"
This category contains only the following page.