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A credit score is a number that rates a consumer’s creditworthiness. The higher the score, the better a borrower looks to potential lenders.| Investopedia
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A collection agency is a company used by lenders to recover funds that are past due or from accounts that are in default.| 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