25 terms — sorted alphabetically. Click any term for the full definition, synonyms, and real-world examples.
Insurance
At-Fault State
States where the driver who caused an accident pays all damages through their liability insurance
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Debt
Charge-Off
When a creditor writes off a debt as uncollectible — but the debt still exists and can be collected
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Insurance
Comprehensive Coverage
Coverage for vehicle damage from theft, weather, fire, and everything except a collision
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Mortgage
Conventional Loan
A mortgage not backed by a government agency — the most common home loan type
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Lead Generation
CPL (Cost Per Lead)
The price an advertiser pays for each qualified consumer inquiry delivered
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Debt
Debt Consolidation
Combining multiple debts into one lower-interest payment — without reducing the principal
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Debt
Debt Settlement
Negotiating with creditors to pay less than the full balance — significant savings, real risks
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Mortgage
DTI (Debt-to-Income)
The percentage of your gross income consumed by monthly debt payments — a key loan qualifier
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Compliance
Express Written Consent
The documented permission required before contacting a consumer via automated calls or texts
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Mortgage
FHA Loan
A government-backed mortgage with low down payments for buyers with moderate credit
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Lead Generation
Lead Aggregator
A company that collects consumer inquiries from publishers and sells them to buyers
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Insurance
Liability Coverage
The coverage that pays for damages you cause to others — required in virtually every US state
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Mortgage
LTV (Loan-to-Value)
The percentage of a property's value financed by a mortgage — key to rates and PMI
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Solar
NABCEP
The gold-standard solar installer certification — verify before you sign
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Solar
Net Metering
The utility billing policy that credits solar owners for surplus electricity sent to the grid
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Mortgage
NMLS
The public registry where every licensed mortgage professional's credentials are verified
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Insurance
No-Fault State
States where your own insurance pays your medical bills first — regardless of who caused the crash
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Lead Generation
Ping Tree
The real-time bidding system that matches consumer leads to the highest-paying buyer
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Mortgage
PMI (Private Mortgage Insurance)
Lender protection required on low-down-payment conventional loans — until you reach 20% equity
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Solar
Power Purchase Agreement (PPA)
A solar financing arrangement where you buy the electricity, not the panels — no upfront cost, no tax credit
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Solar
Solar Tax Credit (ITC)
The 30% federal tax credit that makes solar financially compelling for most US homeowners
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Insurance
SR-22
A filing that proves high-risk drivers carry the minimum required auto insurance
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Debt
Statute of Limitations on Debt
The legal deadline after which a creditor can no longer sue to collect — but the debt still exists
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Compliance
TCPA
The federal law governing automated calls, texts, and telemarketing consent
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Debt
Wage Garnishment
A court-authorized process that directs your employer to withhold pay for a creditor judgment
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