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Credit Repair Glossary

  • Cash Advance

    A “cash advance” is a term that is used to refer to either a short term loan (such as a payday cash advance loan), or an advance taken from a credit card.  In either event, the cost of such a loan can be high.  Payday cash advances have notoriously high interest rates, and the interest rate for credit card cash advances can also be high (it is almost always higher than for a normal credit card purchase). 

  • Community Reinvestment Act (CRA)

    Encourages banks to help meet the credit needs of their communities for housing and other purposes, particularly in neighborhoods with low or moderate incomes, while maintaining safe and sound operations. 

  • Community Savings Funds

    A “community savings fund” is an informal savings group set up by a group of friends or neighbors.  These funds are frequently used in parts of Caribbean, African and South American countries where access to formal banking resources may be limited.  Community savings funds are also commonly used in parts of the United States. 

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