basement

A basement or cellar is one or more floors of a building that are completely or partly below the ground floor. It generally is used as a utility space for a building, where such items as the furnace, water heater, breaker panel or fuse box, car park, and air-conditioning system are located; so also are amenities such as the electrical system and cable television distribution point. In cities with high property prices, such as London, basements are often fitted out to a high standard and used as living space.
In British English, the word basement is usually used for underground floors of, for example, department stores. The word is usually used with houses when the space below the ground floor is habitable, with windows and (usually) its own access. The word cellar applies to the whole underground level or to any large underground room. A subcellar is a cellar that lies further underneath.

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Credit is the trust which allows one party to provide money or resources to another party wherein the second party does not reimburse the first party immediately, but promises either to repay or return those resources at a later date.

Lenders want to make sure all their bases are covered before they extend you credit. That means they may look at factors other than your credit score to determine whether to lend you money. Your employment status also can play a role: If your income is too low or you haven’t been at your current workplace long, those factors could weigh against you.

Errors can come in a variety of forms. You may not have been credited for a payment you made, or you may have been charged for a purchase you didn’t make. A debt might be listed more than once, or your balance might be wrong.
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