| http://www.w3.org/ns/prov#value | - ?CRA???): A third party entity that monitors the credit history of a natural person, corporation, partnership, or other entity, including the entity's loan repayment history, bankruptcy history, public record history, credit history inquiries, and the like. [0023] Credit Grading: The conversion of information contained in a customer's credit history into a qualitative factor that is suitable for e
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