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Annual Percentage Rate (APR) is the interest charged for borrowing that represents the actual yearly cost of the loan, including fees, expressed as a percentage.| Investopedia
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A credit report is a detailed breakdown of an individual's credit history, compiled by one of the three major credit bureaus.| Investopedia
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An interest rate is the percentage of interest relative to the principal. It is either what lenders charge borrowers or what is earned from deposit accounts.| Investopedia