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A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of that person. A credit score is primarily based on credit report information typically sourced from credit bureaus. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system. Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Credit scoring also has a lot of overlap with data mining, which uses many similar techniques. These techniques combine thousands of factors but they are more or less similar or the same.
WASHINGTON Michelle Obama is urging people to give to charities for the holiday season as she brought more than 800 gifts Friday from White House staff to donate to the U.S. Marine Corps Toys for Tots campaign.The first lady also got a surprise invitation from a soldier to be his date at next year's Marine Corps Ball.Lance Cpl. Aaron Leeks, 20, of Frederick, Md., said he asked Obama to accompany him because he's a fan and admires her work to support the military.When Obama was sorting toys at the charity event and came close to Leeks, he leaned over a toy bin and got her attention to pop the question. The first lady smiled and called over a staff member as she chatted with Leeks."She said she'd love to go," Leeks said. "Actually, she said I'd need to speak to her husband, too, but she said she'd love to."Leeks said he plans to follow up on his invitation. In January, he will be deployed for the first time to Afghanistan but plans to attend the ball when he'
urgently needed projects next year. He also said 30,000 workers will be trained.A cold shutdown normally means a nuclear reactor's coolant system is at atmospheric pressure and its reactor core is at a temperature below 212 degrees Fahrenheit (100 degrees Celsius), making it impossible for a chain reaction to take place.According to TEPCO, temperature gauges inside the Fukushima reactors show the pressure vessel is at around 70 C (158 F). The government also says the amount of radiation now being released around the plant is at or below 1 millisievert per year -- equivalent to the annual legal exposure limit for ordinary citizens before the crisis began.Yet, the complex still faces numerous concerns, triggering criticism that the announcement of "cold shutdown conditions" is based on a political decision rather than science. Nobody knows exactly where and how the melted fuel ended up in each reactor, and the plant is struggling with the vast amount of radioactiv
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