John Alexander Heroy Section Menu North Carolina Banking Institute Journal -About the Journal --Board of Advisors --Center for Banking and Finance -Volumes -The Balance Sheet --How to Submit? --What is Accepted? --Who May Submit? --Recent Articles -Masthead -Subscriptions -Submissions Class of 2009Articles and Notes Editor, Volume 13Staff Member, Volume 12 Other People's Money: How a Time-Gap in Credit Reporting May Lead to Fraud J. ALEX HEROY Volume 12 - Citation: 12 N.C. Banking Inst. (2008), Page 321 Full Article Text PDF North Carolina Banking Institute Journal About the JournalVolumesThe Balance SheetMastheadSubscriptionsSubmissions Go to Top of Page