Without smiling, to call floridian a cracker may be a crime the. Cracker term cracker, sometimes white cracker or cracka, is a term for white people, used especially for poor rural whites in the southern united states. The first step is getting a current version of your credit report. Information on a persons credit report that can be legally used to turn down a loan application. If you make a derogatory remark or comment about someone or something, you express your. Enter your question or help others below to get started. We are constantly updating our database with new slang terms, acronyms, and abbreviations. Cracker, sometimes white cracker, is a racial slur used against white people, used especially against poor rural whites in the southern united states. That derog will stay on your credit report for 7 years as a warning to other creditors that you may not pay your bills. Derogatory informationbanking law and legal definition. It is sometimes used in a neutral context in reference to a native of florida, georgia or texas see florida cracker, georgia cracker or texas cracker. Now it is used as a derogatory term for white people much like. How to write a letter of explanation for derogatory credit.
It implies a person who lives in the utmost worst conditions and a person who no one really cares about. For example, a late payment or bankruptcy appears on your reports as a derogatory mark. In the context of your credit reports, the definition is still fairly accurate, though derogatory marks refer specifically to negative items that detract from. Key derogatory items refer to any remarks on your credit file that lowers your score and makes it difficult for you to acquire a mortgage loan, credit card, auto loan or small business loan. With a single phrase, rachel jeantel, that friend of trayvon martins, may have lit a fuse in the trial of his accused killer. This page explains what the slang term cracker means. What derogatory means on your credit report experian. Crackerjack dictionary definition crackerjack defined. One theory is that it refers to the cracked corn that was a major part of the diet of poor southern whites. Code switch where does the slur cracker come from, anyway.
What are derogatory credit marks, and can you fix them. Public record items, such as bankruptcies and judgments also are considered derogatory. Crackers meaning in the cambridge english dictionary. Various theories exists regarding this terms application to poor white southerners. It also includes collection accounts, chargeoffs, repossessions and foreclosures. Not only do these items affect your credit score, they also represent a major. Cracker meaning in the cambridge english dictionary. A credit report is a history of your behavior as a borrower the good and the bad. But they are using that to punish you for not paying. Cracker, sometimes white cracker or cracka, is a racial epithet for white people, used especially for poor rural whites in the southern united states.
In section 1 on page two, enter the application number for the loan rejected by lender due to derogatory items listed on your credit report. But you may also be wondering what, exactly, does derogatory mean credit report or not. Someone wants cracker barrel to change its name because he. What is a credit supplement and why is it necessary. This notation on a credit report may impact the ability to get new credit or increased credit because it might indicate a higher credit risk to lenders. If you would like to suggest a term or an update to an existing one, please let us know. Perhaps one of the best and, simultaneously, worst things about the english language is the vast number of words we have. Descendants of florida crackers are also considered florida crackers. In fact, the wikipedia entry for cracker pejorative even notes the. Today, cracker is often used as a derogatory term for a white person for obvious reasons.
A non derogatory account is a bank account typically a credit account which is current and has experienced no late payments in the last 36 months. Lets examine miz crackers drag name and whether its a. The term derogatory applies to accounts that are past due for more than 180 days. These derogatory credit marks act as red flags to lenders using your credit report to evaluate you. Mar 18, 2020 derogatory marks listed on your credit report can leave a lasting impact on your credit score and not in a good way. Here are some steps that will help remove a derogatory account from your credit report in arizona. Derogatory comments take many forms, and have an impact on selfconcept and the wellbeing of the recipient. Derogatory definition is expressive of a low opinion. I dont know how it started but i think it started in georgia during the civil war probably had something to do with hard tack, a cracker eaten by civil war white soldiers.
Some crackers break into a network system deliberately to point out the flaws. Cracker definition in the cambridge english dictionary. People can usually get away with using it in our reverseracist world. Tradelevel derogatory entries in your credit file, and why. The opening episode of season 10 of rupauls drag race introduced us to a drag queen who called herself miz cracker, just like the snack and the racial slur, she said. Derogatory definition of derogatory by merriamwebster. Media coverage of data breaches is increasing rapidly, especially with the publics watchful eye on organizations and the vulnerable systems. Derogatory definition of derogatory by the free dictionary. Since then, its meaning has become more generalized and it is often used by blacks to describe whites, especially racist whites. What does nonderogatory mean in terms of banking answers. They are no longer trying to collect it and took a tax credit for it. Apr 08, 2020 sense of computer cracker, crack, cracking, were promoted in the 1980s as an alternative to hacker, by programmers concerned about negative public associations of hack, hacking creative computer coding.
Do white people actually find the term cracker offensive. Most stay there for at least seven years, but some can remain even longer. Derogatory definition in the cambridge english dictionary. A derogatory mark may plague your credit reports for the better part of a decade, but there are still ways you can work to improve your credit. Learn the meaning of derogatory as we define this advanced vocabulary word with a simple definition, pictures, example sentences, english pronunciation and audio. Yours is the second letter ive gotten recently on the subject of racial insults. Key derogatory items arise from a variety of events, including a failure to pay a bill, bankruptcies, tax liens, court judgments, collections. The term is often misused in a pejorative context, where cracker would be the correct term. What does the racial term cracker mean and how did the term. Usually, derogatory information remains on a persons credit report for seven years.
Mar 06, 2018 a key derogatory is an account that seriously hurts your credit report and credit score. A derogatory mark on your credit report can refer to a range of negative notations a seriously delinquent account or court judgment. The definition, example, and related terms listed above have been written and compiled by the slangit team. If you make a derogatory remark or comment about someone or something, you express your low opinion of them. It is a derogatory term used to refer to white people, sort of like the white version of the n word. Because this derogatory item directly involves your familys wellbeing and the loans are for large sums, a foreclosure sticks out like a sore thumb and paints a picture that you cannot be trusted to pay for the most basic of. A cracker will usually have low level programming experience and a detailed technical understanding of commercial software protections. A derogatory account is one that is seriously past due.
Cracker is always disparaging and offensive when used to refer to a poor white person in the south. The new york drag performer said that as a resident of harlem, a predominantly black neighborhood, she gets called cracker all the time. As the name implies, a derogatory mark refers to any negative item on your credit report. In section 2 on page two, check the box or write the name of the credit bureau which issued the credit report. In the notes it says closed off as bad debt and loss write off. Slang a person or thing of recognized excellence 2. How to remove a derogatory account from your credit report. Back in the 1700s, cracker was a derogatory term used by american whites to describe poor southerners of their own race. The entries that do the most damage and that tend to keep your score down for extended periods of time are what lenders call derogatory eventsor just plain bad ones.
However, because credit reporting takes a few weeks, it can take awhile for your credit report to reflect actions youve taken to clear up derogatory credit information. Another theory is that the term refers to whips that crackers used to drive slaves or cattle. From cambridge english corpus however, 91 of the 297 inspected women were called kvinnspersoner a derogatory term for a woman at the time. Nov 21, 2018 having derogatory marks on your credit report can be frustrating. Having derogatory marks on your credit report can be frustrating. Where does the term cracker come from, and how disparaging. Whole grain should be the top ingredient, sugar nonexistent, and sodium at the bottom. All definitions are approved by humans before publishing. The word derogatory, in reference to credit health, refers to negative information on a credit report. Crackers definition in the cambridge english dictionary. May 25, 2019 the amount of misinformation contained in some of these answers is amazing.
Earlier this summer in this town of 7,000 people about 20 miles north of fort myers, a white police officer, stephen keyes, was called to a. Cracker dictionary definition cracker defined yourdictionary. Derogatory marks are meant to reflect mistakes or events that show. Everyone knows crackers dont come in barrels, they come in bags and boxes. Florida cracker does not mean a man who cracked his whip on slaves or white trash. Jul 11, 2019 if we turn to the formal definition in the internet users glossary under rfc 92, a hacker is a person who delights in having an intimate understanding of the internal workings of a system, computers and computer networks in particular. Cracker state definition, georgia used as a nickname. Corn cracker definition, a contemptuous term used to refer to a member of a class of poor white people in the southern u. Notices of late payments, delinquent accounts and other lessthanflattering financial instances can lower your credit score and make it more difficult to get a loan and a competitive interest rate.
The term derogatory means the information is negative and will likely hurt your ability to qualify for credit or other services. Cracker comes from the gaelic word craic which means a good conversation and is still in use in ireland today. Use these sample letters of explanation for derogatory credit as templates for your formal letter. In this case, the mortgage lender may request a credit supplement. Derogatory definition and meaning collins english dictionary. Remember, you get one from each of the three credit reporting agencies once a year. The term is, indeed, a somewhat derogatory term for white people. Jul 01, 20 with a single phrase, rachel jeantel, that friend of trayvon martins, may have lit a fuse in the trial of his accused killer. What does the racial term cracker mean and how did the. Cracker definition of cracker by the free dictionary. Most commonly, the term derogatory refers to accounts that are 60 or 90 days past due or more. Synonyms for cracker at with free online thesaurus, antonyms, and definitions.
A cracker is a thin, crisp biscuit which is often eaten with cheese. Cracker conveys history of bigotry that still resonates cnn. Mostly it was used in the 1950s through the 1980s, but there are probably some people who still use it today. Because this derogatory item directly involves your familys wellbeing and the loans are for large sums, a foreclosure sticks out like a sore thumb and paints a picture that you cannot be trusted to pay for the most basic of human necessities. Derogatory items represent credit risk to lenders, and therefore, are likely to have a substantial effect on your ability to obtain new credit. Cracker means something entirely different in florida. A short piece of twisted string tied to the end of a whip that creates the distinctive sound when the. I believe it is derived from plantation owners who cracked the whip to keep slaves in line. A cracker might be performing cracking for malicious activities, profit, for certain nonprofit intentions or causes, or just for a challenge. Items on your report that are detrimental to having a good credit score are known to be derogatory or damaging.
A letter of explanation for derogatory credit may help convince a creditor, employer or insurance company to favor the consumers new credit request. Derogatory tradelines or reports are the items that identify you as being a credit risk or a person who does not pay his or her bills on time. Eight million credit cards were exposed to a cracker or crackers this week resulting in huge potential for fraud. Some of rosenfelds favorite crackers are nontraditional, such as seed crackers, or those made only from parmesan cheese, which are low in fat, calories, and carbohydrates. A petition demanding the restaurant and gift shop chain cracker barrel be renamed caucasian barrel began, and remains.
Derogatory information can be legally used by a creditor to turn down an applicants loan application. Cracker is a contemptuous term for a poor rural white person, especially in georgia or florida. Many kinds of entries on a credit report can lower your credit score, but some are much more harmful than others. Jul, 2010 crackers is a southern derogatory term for whites. Liberals want to change the name of cracker barrel to caucasian. It has been taken as an offensive and derogatory term to people of caucasian or european descent and is largely considered a slur in modern usage. Learn english words derogatory meaning, vocabulary.
Many georgians were proud to call themselves georgia crackers who took the name from their ancestors who drove their cattle cracking whips south to florida grasslands. Derogatory marks are negative, longlasting indications on your credit reports that generally mean you didnt pay back a loan as agreed. When used by black people, cracker can refer to a southern white racist, not necessarily poor or rural. A cracker is an individual who performs cracking, or the process of breaking into a computer or a network system. Where does the term cracker come from, and how disparaging is it. I have an old bank account that says its closed but derogatory. Florida was the lead cattle producing state in america, florida cracker is from when the men were cracking their whips on the cattle to get on the ships to go to the more northern states. Cracker definition and meaning collins english dictionary. The combined knowledge and experience of everyone in the credit karma community can help you.
As with most words, the definition of derogatory will vary based on which dictionary you use, but a good allpurpose definition from describes it as, tending to lessen the merit or reputation of a person or thing. English only forum a derogatory word for popularizer english only forum brown a derogatory name for an african. However, bankruptcy information remains in the report for 10 yeas. These remarks include late payments, collection accounts, judgments and chargeoffs. Derogatory definition, tending to lessen the merit or reputation of a person or thing. Crackers come in a wide variety of flavors, from salty to sweet, to crunchy, nutty, and cheesy. Although originally a classist term, meaning the same as poor white trash, it has evolved through usage to be a derogatory term for someone considered a w. Hardware protections are the best defence against crackers because they require great technical expertise to circumvent. The foreclosure was reported in his credit history, and he now has trouble qualifying for a decent rate on a new loan. How to fix key derogatory items on a credit report for. A derogatory item is considered negative, and typically indicates a serious delinquency or late payments. Oct 15, 2019 if youve seen the word derogatory on your credit report, you may understand that its probably not good.
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