Credit bureauA credit bureau is a data collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, Special Accessing Entity in the Philippines, and also to private lenders. It is not the same as a credit rating agency. A consumer reporting agency is an organization providing information on individuals' borrowing and bill-paying habits.
UnconformityAn unconformity is a buried erosional or non-depositional surface separating two rock masses or strata of different ages, indicating that sediment deposition was not continuous. In general, the older layer was exposed to erosion for an interval of time before deposition of the younger layer, but the term is used to describe any break in the sedimentary geologic record. The significance of angular unconformity (see below) was shown by James Hutton, who found examples of Hutton's Unconformity at Jedburgh in 1787 and at Siccar Point in Berwickshire in 1788, both in Scotland.
Chinle FormationThe Chinle Formation is an Upper Triassic continental geological formation of fluvial, lacustrine, and palustrine to eolian deposits spread across the U.S. states of Nevada, Utah, northern Arizona, western New Mexico, and western Colorado. In New Mexico, it is often raised to the status of a geological group, the Chinle Group. Some authors have controversially considered the Chinle to be synonymous to the Dockum Group of eastern Colorado and New Mexico, western Texas, the Oklahoma panhandle, and southwestern Kansas.
