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Updated: April 11, 2024

Understanding Credit And Credit Reports (FS-1115)

If you ever plan to take out a loan or you currently owe money to another party, you need to understand credit and credit reports. Credit is the ability of a borrower to receive something (often money) in exchange to return the money to the lender at a later point in time. For example, when you buy a car, a bank (lender) provides the money to you (borrower). In exchange, the lender charges you interest. The interest charged is determined by several factors based upon your credit report. Therefore, it is important for you to monitor your credit report. Let’s take a minute to provide greater insight on credit and credit reports. Author: Jesse Ketterman, and Patricia Maynard; Title: Understanding Credit and Credit Reports (FS-1115),
Updated: July 20, 2022

Review of Lender Requirements for Beginning Farmer Loan Programs (FS-975)

The Center for Agricultural and Natural Resource Policy and UME's Beginning Farmer Success program have developed a fact sheet to help beginning farmers understand the various credit sources available in the state of Maryland and the requirements associated with each credit source, such as USDA's Farm Service Agency, a Farm Credit lender, or MARBIDCO. Authors: Paul Goeringer and Jim Hanson; Title: Review of Lender Requirements for Beginning Farmer Loan Programs (FS-975)