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NEW YORK (AP) â Good news for investors: We're keeping more of what's ours. The Good: Credit comes from the Latin word âCredoâ which means âI believe.â It is the trust in which one party provides funding to another where the payment is set by an arrangement. The lender is taking risks in providing funds to the borrower and so trusts the other party that it will follow the arrangement that they have. There are many types of credit, but the one we are interested in is consumer credit. Under consumer credit different types of financial products would fall under. Anything that has to do with the finances of an individual can be classified as consumer credit. Laws governing spot deliveries vary from state to state, Kukla says. In many cases, the standard sales contract contains language allowing the dealer to request that the car be returned within a certain time period if financing falls through.
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