A person or business that can be contacted to validate or vouch for the credit applicant's ability to pay outstanding balances in a timely manner.

A particular location which is used as an endpoint when measuring distances or charting maps. / A unique, intellectual premise used to relate other to ideas.

(computing) A variable used for storing the address of another variable or structure, equivalent to a pointer.

Alternative form of point of reference

plural of cross-reference

A compendium of information which is not intended to be read from beginning to end, and is compiled for ease of reference. Examples include encyclopedias and dictionaries.

(data management) Data describing a physical or virtual object and its properties.

The list of sources used or considered in preparing a work.

plural of reference book

A book providing factual information. / (libraries) A book that can be consulted in the library but cannot be borrowed.