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The flashcards below were created by user
pholcomb
on FreezingBlue Flashcards.
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credit
funds provided by a creditor to a borrower that will be repaid by the borrower in the future with interest
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non-installment credit
credit provided for a short period, such as department store credit
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installment credit
credit provided for specific purchases with interest charged on the amount borrowed
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revolving open-end credit
credit provided up to a specific maximum amount based on income and credit history. interest is chagred each month on the remaining balance
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credit reports
reports provided by credit bureaus to document a persons credit payment history
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identity theft
theft that occurs when an individual, without permission, uses your identifying information for his or her personal gain
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shoulder surfing
tactic used when an identity theif stands close to you in a public place and reads the number of your credit card as you conduct business
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dumpster diving
tactic used when an identity theif goes through your trash for discarded items that reveal personal information that can be used for fraudulent purposes
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skimming
tactic used when a store employee steals your credit card number by copying the information contained in the magnetic strip on the back
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pretexting
tactic used when an identity theif poses as an employee of a company with which you conduct business, to solicit your personal information
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phishing
tactic used when pretexting happens online
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pharming
similar to phishing but targeted to larger audiences; tactic that directs users to bogus web sites to collect their personal information
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