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The term is used both in defining certain categories of covered loans and in defining the timing of certain proposed requirements.

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Thus, for example, lenders operating in Florida are permitted to charge $10 per $100 loaned, and those same lenders, when lending in South Carolina, charge $15 per $100.

Each credit bureau gets its information from different sources, so the information in one credit bureau's report may not be the same as the information in another credit bureau's report.

Some of these offers do come with some conditions, such as a secured deposit, yearly fees, or low credit limits, but they also can help you rebuild your credit.

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Of that amount 10% ($1,550) would go toward paying the penalty and 25% ($3,875) would go toward taxes, which totals $5.