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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.
ty is for Congress to make sure payroll taxes don't rise on Jan. 1. Carney said the White House is "cautiously optimistic" Congress can meet that goal.On Capitol Hill, lawmakers continued to grapple over a payroll tax cut, though the likelihood was increasing that the Keystone provision would be included in a final product.Negotiators are talking about extending the current 2 percentage point cut for one more year -- as opposed to the 3-point cut Obama originally requested.The sticking point is how to pay for it. Democrats, after abandoning a surtax on millionaires, still are trying to press Republicans to use some revenue to pay for the cut. One senior Democratic aide told Fox News lawmakers are looking at ending "tax breaks for millionaires" to offset some of the lost revenue.As a backstop, Senate Majority Leader Harry Reid said congressional bargainers were preparing a two-month extension of the payroll tax cut and expiring jobless benefits in case negotiat
llions of dollars more in Libyan assets frozen elsewhere are also expected to be released.The Security Council froze the assets of five key Libyan financial institutions in March following the uprising against Qaddafi's 42-year rule and his deadly crackdown on protesters.After Qaddafi's death and the end of the eight-month civil war in October, the Security Council eased some financial restrictions to allow a resumption of trading. But the freeze on assets that the Central Bank and Foreign Bank held before March remained in place until Friday's delisting.Britain's Hague welcomed the sanctions committee's decision, saying "Libya's government will now have full access to the significant funds needed to help rebuild the country, to underpin stability and to ensure that Libyans can make the transactions that are essential to everyday life.""The transitional government must now redouble its efforts to build a transparent and accountable financial system which will un
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