Organizations that collect credit information about individual consumers

Summarizes an individual's credit history, including applications for credit of any kind, payment record for bills, whether you have paid late fees, and any other public information

A person's record of using credit

A numeric score that uses your credit history to assess your creditworthiness

When someone uses your personal information without your permission for personal gain

Used for specific purchases but allows the borrower more time to repay the money

Fees charged by a lender o borrowed money

Credit extended for a short term, such as 30 days or less

Uses email viruses to redirect you form a legitimate website to an official-looking website designed to obtain your personal information

When someone online tries to improperly access your data

When someone improperly accesses your personal information by posing as someone who needs data for one reason or another

The total amount of money outstanding on a loan

Allows consumers to borrow up to some preset maximum amount. An example would be a credit card

When someone in a public place steals your personal information by overhearing your conversation or viewing your personal information "over your shoulder."

When your credit card or debit card numbers are copied from your cards