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The old way of granting credit, with applications that took days to approve, was not safer, just slower.
NPR: Identification Theft: The Growing Scam Industry
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ACE, a higher-education industry group, has a network of about 2, 000 schools that consider granting credit for nonclassroom programs, such as military or corporate training, based on its recommendations.
WSJ: Big MOOC Coursera Moves Closer to Academic Acceptance
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Started in 1996, LiSim is a risk-analysis company based in Bogota, Colombia that uses statistics and behavioral analysis to determine the inherent risk in granting credit to a given client.
FORBES: Predicting the Path Out of Poverty: Microfinance & Credit Risk Analysis
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It did so by linking the granting of Most Favored Nation status and official loans and credit guarantees to the Soviet Union (and other nations with non-market economies) to clear evidence of an institutionalized respect for the right to emigrate.
CENTERFORSECURITYPOLICY: The U.S.-Soviet Trade Agreement: Overtaken By Events
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Similarly, it envisions granting Moscow access to billions of dollars in non-transparent interbank deposits and credit lines, overt government-guaranteed loans, "property settlements, " and other bilateral arrangements.
CENTERFORSECURITYPOLICY: Center for Security Policy | The Washington Summit: The Worst Strategic Miscalculation Since Yalta