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Short seller incurs as a loss the $1,500 difference between the price at which the sold the shares were borrowed and the higher price at which the short seller had to purchase the shares returned (plus borrowing fees).
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These companies are similar to credit bureaus that track how consumers pay their bills and other debts.
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It's possible that your mortgage is backed by Wells Fargo, but the more likely answer is that Wells Fargo is just your mortgage servicer; the bank that collects your payments.
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