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A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of that person. A credit score is primarily based on credit report information typically sourced from credit bureaus. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system. Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Credit scoring also has a lot of overlap with data mining, which uses many similar techniques. These techniques combine thousands of factors but they are more or less similar or the same.
Sherlock Holmes: A Game of Shadows, the second installment in the series, churns like a lump of moldy dough sitting in the pit of your stomach, trying ever so hard to be digested.Deduction: Sherlock Holmes return is a highly stylized, amplified cacophony of dreck.Guy Ritchies first Sherlock Holmes was a feast for the eyes and mind, with intelligent plot lines, semi-layered characters and fine acting. There was a sense of pride in taking on the worlds greatest detective.But all that was successful before is absent from this overblown, nonsensical sequel. The film is so dull it kills the desire to ever go back and rewatch the original.The crime committed here? A dumb screenplay. Robert Downey, Jr. and Jude Law, both terrific actors, are not to blame. Theyre just victims to the lack of substance they have to work with. The pair deliver empty dialogue, tell stale jokes and run amok trying to save Europe from inevitable war.But unlike the original, who cares?Holmes
ions on a yearlong package do not succeed.Boehner's office said even a two-month extension would have to include the Keystone language.The pre-Christmas wrangling caps a contentious year in a capital hindered by divided government, with Democrats controlling the White House and the Senate and Republicans run the House. Lawmakers have engaged in down-to-the-wire drama even when performing the most mundane acts of governing, such as keeping agencies functioning and extending federal borrowing authority, tasks that are only becoming more politically delicate as the calendar nears the 2012 election year.Fox News' Trish Turner and The Associated Press contributed to this report.
