An account held in the name of a decedent that is administered by an executor or administrator of the estate.

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The contract governing your open-end credit account, it provides information on changes that may occur to the account.

The payment history of an account over a specific period of time, including the number of times the account was past due or over limit.

Any and all persons designated and authorized to transact business on behalf of an account. Each account holder's signature needs to be on file with the bank.

Interest that has been earned but not yet paid.

Also known as variable-rate mortgages. The initial interest rate is usually below that of conventional fixed-rate loans. The interest rate may change over the life of the loan as market conditions change. There is typically a maximum (or ceiling) and a minimum (or floor) defined in the loan agreement. If interest rates rise, so does the loan paymen [..]

Under the Equal Credit Opportunity Act, a creditor's refusal to grant credit on the terms requested, termination of an existing account, or an unfavorable change in an existing account.

The notice required by the Equal Credit Opportunity Act advising a credit applicant or existing debtor of the denial of their request for credit or advising of a change in terms considered unfavorable to the account holder.

A sworn statement in writing before a proper official, such as a notary public.