Credit history

A credit history is a record of a borrower's responsible repayment of debts. A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. A borrower's credit score is the result of a mathematical algorithm applied to a credit report and other sources of information to predict future delinquency.

In many countries, when a customer fills out an application for credit from a bank, credit card company, or a store, their information is forwarded to a credit bureau. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files. The gathered records are then used by lenders to determine an individual's credit worthiness; that is, determining an individual's ability and track record of repaying a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid regularly and on time, and therefore focus particularly on missed payments and may not, for example, consider an overpayment as an offset for a missed payment.

Credit

Credit may refer to:

See also

Dave Ramsey

David L. "Dave" Ramsey III (born September 3, 1960) is an American financial author, radio host, television personality, and motivational speaker. His show and writings strongly focus on encouraging people to get out of debt.

Ramsey's syndicated radio program, The Dave Ramsey Show, is heard on more than 500 radio stations throughout the United States and Canada, in podcast format, on IHeartRadio, a dedicated iOS application, as well as live audio and video on DaveRamsey.com. He has written numerous books including five New York Times bestsellers. His books and broadcasts often feature a Christian perspective that reflects Ramsey's religious beliefs. Ramsey was named the 2009 Marconi Award winner for Network/Syndicated Personality of the Year.

Ramsey's company, The Lampo Group, Inc., headquartered in Brentwood, Tennessee, oversees six divisions geared toward financial education.

Ramsey has been featured on many media outlets including The Oprah Winfrey Show, 60 Minutes, and The Early Show on CBS. He recorded a pilot and six unaired episodes of The Dave Ramsey Project for CBS. He was the host of the television program The Dave Ramsey Show, which aired on the Fox Business Network until June 2010.

Credit card

A credit card is a payment card issued to users (cardholders) as a method of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them. The issuer of the card (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.

A credit card is different from a charge card, where it requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

Neil Cicierega

Neil Stephen Cicierega (/ˌsɪsᵻˈriːɡə/) (born August 23, 1986) is an American Internet artist, comedian, actor, filmmaker, puppeteer, singer, musician, and animator. He is the creator of the genre of Flash animation known as "Animutation", and has released several albums as a musician under the name of "Lemon Demon" and a series of mashup albums more recently under his own name.

On August 8, 2015, Cicierega married illustrator Ming Doyle.

Animutation

Cicierega created a genre of dadaist or surrealist Flash animation he termed "Animutation". Animutations feature arbitrary, nonsensical scenes and pop culture imagery and are typically set to novelty or foreign music, often from the Japanese version of Pokémon. One of his earliest works entitled Hyakugojyuuichi was published on the web, and was described as a "hit" in 2001 by Salon magazine.

Potter Puppet Pals

Cicierega's Potter Puppet Pals is a comedy series which parodies Harry Potter. It originated as a pair of Flash animations on Newgrounds in 2003, and later resurfaced in the form of a series of live action puppet shows released onto YouTube and PotterPuppetPals.com, starting in 2006 and continuing to the present. The central characters of the Harry Potter series are portrayed simply by puppets. The most successful Potter Puppet Pals video, The Mysterious Ticking Noise, currently has over 160,000,000 views (as of June 2015). Cicierega has done puppetry live at Harry Potter-themed events.