Sentences with phrase «additional consumers who»

The current model, VantageScore 3.0, was released in 2013 and changed the scoring structure to include millions of additional consumers who previously were unscored by conventional models.

Not exact matches

And with Facebook's interest targeting, Kim said marketers can target consumers who match additional interests as well, while Twitter follower and keyword targeting helps marketers zero in on Twitter users with interests similar to specific accounts.

«[We are targeting] the health conscious consumer who is looking for new experiences and taste sensations and at the same time looks for additional nutrients supporting a healthy diet.

The proposal explicitly prohibits the surcharge from being passed down to consumers and it helps protect regular taxpayers who would otherwise be bearing the additional costs of the state's prevention, treatment and recovery programs.»

The Dutchess County Department of Health has put together an easy to navigate webpage that outlines who is responsible for specific water supplies and where residents can get additional data and access research to become informed water consumers.

«Our new Mobility Global Business Unit initially will focus on consumer tablets and will expand to additional segments and categories where we believe we can offer differentiated value to our customers,» read the HP internal memo, a copy of which is with the verge and is signed by Todd Bradley who heads HP's recently merged Printing and Personal Systems Group.

For those consumers in the U.S. who are brave enough to attempt their holiday shopping on the infamous Black Friday — what is traditionally considered the first day of the Christmas shopping season as many people are given the additional day off following Thanksgiving on Thursday — Barnes and Noble has sweetened the shopping deal by offering a lower price on a limited edition NOOK Simple Touch e-readers.

While the ebook is available from Untreed's network of more than two hundred ebook retailers in its distribution channels, readers who purchase the book from the Untreed Reads store, thereby providing the maximum amount of royalty for the author and the publisher, as well as bringing consumers to its storefront to discover its catalog of ebooks, will receive additional content for free, this time in the form of Francke's music.

(«Because not every consumer who reads a sample chapter will buy the book, it's reasonable for the publisher to extract some additional value.»)

For example, consumers who recently bought a home often need additional money for repairs, new furniture, etc..

That's great news for consumers who need more wiggle room during the gift - giving season to make payments without incurring additional interest expense.

According to the Consumer Finance Protection Bureau (CFPB), anyone who applies for a credit account and gets rejected is entitled to an additional free credit report in the next 60 days.

Furthermore, consumers who can charge at least $ 10,000 within a year of account opening can earn an additional 25,000 Avios, bringing the total estimated first - year bonus value to $ 1,125.

Some may do little more than refer indebted consumers to a bankruptcy lawyer, who charges an additional fee.

This could be welcome news for the sub-prime consumer who experiences trouble with credit card debt or additional expenses; however, it also opens up the door for malpractice.

Consumers who dispute items on their credit reports will receive additional information from the credit reporting agencies along with the results of their dispute, including a description of what they can do if they are not satisfied with the outcome of their dispute.

Consumers who are 50 or older can even add an additional $ 500 toward their catch - up contribution, allowing for up to $ 24,000 in annual savings starting next year.

Certificates of deposit are an additional investment option for consumers who want to preserve principal and maintain FDIC protection while earning slightly more interest on their deposits.

Over a third of those with this kind of plan, and who made additional purchases beyond the one made when they received the card, paid more than 150 % of the original amount, according to a 2015 study from the Consumer Financial Protection Bureau.

31 states have additional «Protected Consumer» groups, who can obtain a security freeze at reduced cost, or completely free.

Consumers who are in control of most aspects of their finances, but still feel like they could use additional help managing their debt burden, could certainly benefit from the assistance of a consumer credit counseling service.

McNamara says that while most people should not apply for additional credit when they are applying for a mortgage, some consumers who lack a recent credit history can improve their score by being approved for a new credit card and then using it once.

There are additional provisions that allow consumers who earn between $ 100,000 and $ 109,999 to get a partial tax break.

In April 2012, three representative plaintiffs brought the class action lawsuit to the Ontario Superior Court of Justice in Toronto on behalf of all drivers who incurred tolls and / or additional charges to the 407 ETR, and had their license plate denied after they had filed a consumer proposal or a bankruptcy proceeding.

Stephanie O'Connell, millennial personal finance expert Favorite low interest card: U.S. Bank Visa Platinum card «In addition to the 0 - percent introductory APR offer on purchases and balance transfers for 20 billing cycles, the U.S Bank Visa Platinum card has no penalty APR, which can be a particularly attractive feature for consumers who may have difficulty staying on top of their payments and are concerned about racking up additional interest.»

While additional consumers may be purchasing or reviewing other types of credit reports - some of which may be of questionable merit - the number of people asking for the readily available, free information they are entitled to from the three credit reporting agencies that produce nearly all of the credit reports sold to banks and other lenders in the U.S. is just a fraction of those who use credit cards or apply for mortgages or installment loans each year.

These cards are a great opportunity to earn additional sign - up bonuses for cardholders who have exhausted the sign - up bonuses on Amex's consumer line of cards.

Stephanie O'Connell, millennial personal finance expert Favorite low interest card: U.S. Bank Visa Platinum card «In addition to the 0 - percent introductory APR offer on purchases and balance transfers for 18 billing cycles, the U.S Bank Visa Platinum card has no penalty APR, which can be a particularly attractive feature for consumers who may have difficulty staying on top of their payments and are concerned about racking up additional interest.»

I am the only consumer writer who followed these agents and I think my experience was far more authentic versus spending a few additional days with other members of the media.

Now through Sunday, March 21, 2010, U.S. and Canadian consumers who purchase a new PSPgo system can download one of our top PSP titles from the PlayStation Store at no additional cost.

Xbox Play Anywhere means that consumers who purchase select Microsoft games for Xbox One will also have that game available for them to play on a Windows 10 PC, for no additional fee.

Additionally, consumers who previously purchased these tracks within the same game console family can download these songs at no additional cost.

And dealers can sell extended warranties, providing additional security for consumers who want it as well as revenue when auto companies need it most.

For consumers, National Grid says that it will cost an additional $ 1.59 per month for rate payers who uses 500 kilowatt - hours.

Having legal malpractice insurance adds an additional level of comfort for consumers who use LawFather.com to find attorneys.

That said, consumers who want to buy cash value life insurance through traditional insurers can lower the total commission by blending term and permanent policies to start with, and then buying additional permanent coverage over time to replace the term life component.

For more than two decades, LISA — the oldest and largest trade organization in the life settlement market — has brought consumers around the world education and access to market participants who can facilitate the sale of a life insurance policy, translating to billions of dollars in additional value.

While it offered an additional service to the buyer who could get to see the various products available in a particular category, it left room for biased information which could at times mislead the consumer.

Additional discounts may be offered to consumers who have taken a defensive driving course or who own a car with multiple safety features.

How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: [phone] Cell Phone: [phone] Fax: [phone] E-mail: [email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request

«The consumer is driving the home search process, so the biggest hurdle is inspiring engaged consumers to view listings of interest,» says Mele, who explains that once a consumer looking at a Homes.com search result wants more information, they simply click through to the listing detail page where the listing agent displays prominently and Local Connect displays up to three additional advertisers, as well as photos, pricing and local information.

And if the CENTURY 21 philosophy needed additional credibility, the brand can look to the unique mind and brilliance of Seth Godin, recognized as the premier marketing and consumer guru, who, at a C21 ® brand - sponsored event called «Agents of the Future,» so aptly said: «All of us are smarter than any of us.»

Older homebuyers who are interested in learning more about HECM for Purchase can visit NRMLA's consumer education website reversemortgage.org for additional information.

The holiday adjusted numbers may overstate the level of refinance applications because some lenders who rely primarily on the internet / consumer direct channel for originations saw little if any decline in applications for Labor Day as compared with the drops for lenders relying on retail offices, perhaps because borrowers had additional time over the Labor Day weekend to complete online refinance applications.

They will actually negotiate on your behalf and on average, per report from the Consumer Reports last September, people who use a buyer agent on their side save an additional $ 5,000 on their home.

«This integration provides consumers with a comprehensive set of tools to help guide them through the home buying and selling process — as well as providing easy access to HomeGain member real estate agents and brokers who can provide additional assistance.»