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Consumer debt can be defined as money, goods or services provided to an individual in the absence of immediate payment. Common forms of consumer credit include credit cards, store cards, motor vehicle finance, personal loans, consumer lines of credit, retail loans and mortgages. This is a broad definition of consumer credit and corresponds with the Bank of England's definition of Lending to individuals. The cost of credit is the additional amount, over and above the amount borrowed, that the borrower has to pay. It includes interest, arrangement fees and any other charges. Interest and other charges are presented in a variety of different ways, but under many legislative regimes lenders are required to quote all mandatory charges in the form of an annual percentage rate (APR).
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The Finance and Insurance sector comprises establishments primarily engaged in financial transactions (transactions involving the creation, liquidation, or change in ownership of financial assets) and/or in facilitating financial transactions. The subsectors, industry groups, and industries within the NAICS Finance and Insurance sector are defined on the basis of their unique production processes. As with all industries, the production processes are distinguished by their use of specialized human resources and specialized physical capital. In addition, the way in which these establishments acquire and allocate financial capital, their source of funds, and the use of those funds provides a third basis for distinguishing characteristics of the production process.
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Kirkland is a city in King County, Washington, United States. The population was 87,281 at the 2015 census estimate, which made it the 6th largest city in King County and the 12th largest city in the state. The city's downtown waterfront has restaurants, art galleries, a performing arts center, public parks, beaches, and a collection of public art, primarily bronze sculptures. Kirkland is the former home of the Seattle Seahawks; the NFL team's headquarters and training facility were located at Northwest University prior to 2008. Better Qualified is an industry leading credit restoration and identity theft protection company based in Eatontown, NJ. We employ the most knowledgeable, helpful and results-driven professionals in the industry. Every new customer receives a custom credit consultation at the beginning of their journey with us, and we tailor your strategy based on your individual needs. At Better Qualified, we have real people handling your credit to make sure you get the best possible results. You'll always be able to contact our team to see your progress, without having to deal with automated systems or annoying operators. Better Qualified has helped thousands build, manage, and monitor their credit since 2006. Our staff of credit experts works diligently to attack derogatory accounts, while advising you towards building a better credit score. Better Qualified works closely with collections attorneys to comb through all of your 3rd party collections in search of violations. When an account is sold to a 3rd party, often times the collection company will violate set regulations. This leaves the consumer paying more than they have to or paying for something that isn’t theirs.