Many factors influence your score, with the two most important being how you pay your debts and how much debt you owe. For example, late payments on loans, a past bankruptcy, debt collections or a court judgment ordering you to pay money as a result of a lawsuit will negatively affect your credit score.
Definition of velour. plural. velours. play \vÉ-ËluÌrz\. 1 : any of various fabrics with a pile or napped surface resembling velvet used in heavy weights for upholstery and curtains and in lighter weights for clothing; also : the article of clothing itself.
An hors d'oeuvre, appetizer, or starter is a small dish served before a meal. Some hors d'oeuvres are served cold, others hot. Hors d'oeuvres may be served at the dinner table as a part of the meal, or they may be served before seating. Formerly, hors d'oeuvres were also served between courses. Typically smaller than a main dish, it is often designed to be eaten by hand.