EVIDENCE, in accounting, includes written and electronic information (e.g. checks, records of electronic fund transfers, invoices, contracts, and other information) that permits the auditor to reach conclusions through reasoning.
BAD CREDIT is a term used to describe a poor credit rating. Common practices that can damage a credit rating include making late payments, skipping payments, exceeding credit card limits or declaring bankruptcy. Bad credit can result in being denied credit.
HARD COSTS is the purchase price of actual assets. For example, the purchase price of a new printing press would be the hard cost. The soft costs are additional fees for items like factoring-invoiced installation, prepaid and extended warranties, or service contracts for the new equipment.
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