viernes, 9 de agosto de 2013

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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.
f the generosity. But it's happening as the company struggles to compete with chains such as Wal-Mart and Target.Kmart may be the focus of layaway generosity, Yala said, because it is one of the few large discount stores that has offered layaway year-round for about four decades.The sad memories of layaways lost prompted at least one good Samaritan to pay off the accounts of five people at an Omaha Kmart, said Karl Graff, the store's assistant manager."She told me that when she was younger, her mom used to set up things on layaway at Kmart, but they rarely were able to pay them off because they just didn't have the money for it," Graff said.He called a woman who had been helped, "and she broke down in tears on the phone with me.She wasn't sure she was going to be able to pay off their layaway and was afraid their kids weren't going to have anything for Christmas.""You know, 50 bucks may not sound like a lot, but I tell you what, at the right time, it may as
Sherlock Holmes: A Game of Shadows, the second installment in the series, churns like a lump of moldy dough sitting in the pit of your stomach, trying ever so hard to be digested.Deduction: Sherlock Holmes return is a highly stylized, amplified cacophony of dreck.Guy Ritchies first Sherlock Holmes was a feast for the eyes and mind, with intelligent plot lines, semi-layered characters and fine acting. There was a sense of pride in taking on the worlds greatest detective.But all that was successful before is absent from this overblown, nonsensical sequel. The film is so dull it kills the desire to ever go back and rewatch the original.The crime committed here? A dumb screenplay. Robert Downey, Jr. and Jude Law, both terrific actors, are not to blame. Theyre just victims to the lack of substance they have to work with. The pair deliver empty dialogue, tell stale jokes and run amok trying to save Europe from inevitable war.But unlike the original, who cares?Holmes




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