When we think of the term creditor, most of us shrink at the thought of owing someone money. Used in the financial world, the term \”credit\” originated with a chance percentage of whether or not someone would pay back their loans or not. In the early days, a person\’s dependability or personal reputation had a lot to do with their ability to pay their bills on time or repay their loans. If these were not paid, the \”shooster\” was considered undependable and shiftless, and then ran out of town on a rail.

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