A hard inquiry is a request by a lender to view your full credit report from a credit bureau. It occurs when you apply for a new line of credit, such as a credit card or loan. A hard inquiry requires your permission and can affect your credit score. Hard inquiries show up on your credit report and may stay there for 2 years.

A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payments has passed.

A charge-off is a debt that a creditor has given up trying to collect on after the debtor - the person who borrowed the money - has missed payments for several months.

A lien is legal claim against a piece of property that is recorded with the local county, giving the lienholder a legal interest in a property.

Evictions refer to the legal process by which a landlord can remove a tenant from a rental property. This process typically occurs when the tenant fails to pay rent, violates lease terms, or engages in illegal activities.

Identity theft is when someone steals your personal information and uses it without your permission. Credit fraud involves using someone else's personal and credit info to borrow money or buy goods with no intent to repay.

Child support is a payment made for the support of the children of divorced/separated parents while the children are minors, or until they reach an age set by the court order.

Medical bills collections refer to the process where healthcare providers send unpaid medical bills to a debt collection agency.

A student loan is a loan specifically designed to help students finance their post-secondary education. This borrowed money must be repaid, typically after graduation, along with interest.