Outline Credit Reports and Scores Credit Repositories Consummation  Consummation Closing Disclosure Clearing Title Conditions Settlement Reconciliation Down payment Reserves Third Party Verification Gifts Proration and Expenses Calculating Per Diem Interest Purchase Transactions Final Closing Disclosure CD issued 3 days prior to closing Refinance Transactions Right of Rescission Learning Objectives CREDIT       Understand Fair Credit Reporting Act governs credit       Learn about the Fair and Accurate Credit Transaction Act       Identify credit criteria...