I received a notice of changes to a credit card account, which includes a statement that "the issuer may, from time to time, obtain employment and income data from third parties to assist us in the ongoing administration of your account."

With the recent crowdfunding rules sourcing money globally has become easier because technology can link small issuers to the BD community who can help with items like this.  

My company as the issuer can work this directly with investors.  

He says it's basically cardboard pressed together with a strip of laminate on top.

Short of catastrophe - i.e. the economy collapses so hard that people are living under the bridge rather than paying for a rental because they can't - you are always going to find people that would rather live in a house than live in a cardboard box. 

We have looked at properties in the winter with cardboard in the windows that nobody is fixing.  

I was at a demostration this week of Google Cardboard and Google Expeditions ((https://www.google.com/edu/expeditions/ ) which provide a way to enable schools to go on virtual field trips.

Every lender/credit card issuer has their own time schedule with updates.

(in between banks (cheapest) and equity (most expensive))-A promissory note, sometimes referred to as a note payable, is a legal instrument (more particularly, a financial instrument and a debt instrument), in which one party (the maker or issuer) promises in writing to pay a determinate sum of money to the other (the payee), either at a fixed or determinable future time or on demand of the payee, under specific terms.

They build relationships with a certain one over time.My guess is the seller will get a lower re-issue rate if they use the same co that issued title insurance when they bought.Could also be since they are distressed that they have particular circumstances the one title co is familiar with.Most are pretty much the same so it shouldn't affect you as a buyer much either way Account Closed