Sentences with phrase «as negative credit»

The death or bankruptcy filing of a co-signer can trigger ruinous consequences for borrowers who have been paying their loans on time for years, such as negative credit reports that make it harder for them to get a job or access loans.

Do not treat this as a negative credit item if the veteran entered the Consumer Credit Counseling plan before reaching the point of having bad credit.»

If you are unable to pay off the monthly bill, then the penalty exp enses and financial repercussions, such as negative credit marks, most likely outweigh any cash back return on your purchases.

Not exact matches

Keep in mind if he or she makes a late payment, that entry will appear as negative on your credit report too.

This could leave your business wide open to issues such as a negative impact on your personal credit report, ultimately hurting your ability to borrow money for yourself.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

Moody's credit rating agency changed Ontario's debt rating in July to negative from stable, citing concerns about the province's ability to eliminate the deficit as scheduled.

This is the reason why it is important to pay bills as early as possible to avoid such negative effect on the credit score.

Additionally, Upstart will look at your debt - to - income ratio as well as any negative marks on your credit history, such as bankruptcy.

We imposed overlays in mid-2014 that essentially rule out a hard - negative outlook until that deterioration in market internals or credit spreads becomes evident (as it has at present).

You should begin to see improvement as soon as you start accumulating positive credit information to help counter the big negatives.

They collected data about the negative aspects of consumers» credit histories, such as delinquencies, defaults, and bankruptcies, while minimizing information about on - time payments.

Consider prequalified credit cards because a credit card application will appear on your credit report as an inquiry but will not have a negative effect on your credit report or credit score.

During 2001 - 2004 and again since 2008, the Fed felt free to encourage rapid increases in the supplies of money and credit because there were no obvious negative «price inflation» consequences to be seen by those who fixate on price indices such as the CPI.

We are underweight European credit, as ECB purchases and negative rates have helped lead to steep valuations.

Now that over $ 5 trillion of sovereign debt (with credit risk rising, not falling) trades with a negative yield, we can fairly overlook bonds as an investible asset class.

As time goes by, the good credit behaviors you establish will outweigh the negative impact of your bankruptcy.

Even the introduction of Daniel Sturridge, Adam Lallana and Roberto Firmino off the bench wasn't enough for the home side, while full credit should go to Plymouth as despite their negative tactics, they held out brilliantly to secure a replay and will be delighted to host the Reds next time out.

I could ask you how many players have actually said Wenger was the reason for joining our club, but of course you'll come back with negatives such as «they only come for an easy ride» or» Wengers pets» etc etc etc Give these proven players some credit at least You talk about huge wages (forget the favourite club rubbish) and then mention Chelsea / ManCity / Barcelona etc..

The credit rating agency Moody's in a report released Wednesday found the free tuition program as approved in the 2017 - 18 state budget is unlikely to have a negative impact on the credit of the state's public universities.

As the credit rating agency Standard and Poor's this week placed the AAA rated Eurozone members on negative watch it's worth remembering this is exactly where Britain was, on negative credit watch, under Labour.

The President said the NPP persisted in creating a negative impression about the economy «despite all the scientific basis even from outside» as he once again noted that international credit rating agency, Moody's, had given an endorsement of Ghana's economic prospects.

«As women observed the negative effects of the mortgage crisis and the Great Recession on other women, it reinforced their beliefs to use credit to bridge gaps in income.

But she agrees that plagiarism or failing to give due credit for a piece of research can have the same negative consequences as harassment and bullying.

On a slightly less negative note, fourteen states and D.C. rate or plan to rate schools» achievement using a model, such as a performance index, that gives additional credit for students achieving at an «advanced» level.

Looking beyond graduation rates, we also found that the phase - out process did not have a clear impact — positive or negative — on other academic outcomes for the phase - out cohort, such as credits earned or Regents exams passed, or on attendance.

You should work to correct negative items on your credit report as soon as possible.

«Passage of House Bill 467 would be a credit negative for the PSF, as it could potentially weaken the overall credit quality of the program's participants as the PSF extends its guarantee to a growing number of charter schools over time,» Nichols said.

OKLAHOMA CITY — One of the nation's top credit rating agencies is noting Oklahoma's declining funding to public schools as further negative pressure on the state's financial outlook.

The discussion that led to Cortines» comments at the board meeting was the approval of a new independent KIPP charter school, which spawned a wider discussion on the financial impact independent charter growth may be having on the district, in particular a recent report from Moody's Investor Service that concluded that the coming expansion of KIPP charter schools in LA Unified was a credit negative, as it will result in a loss of $ 35 million to the district.

Retailers» payments to Draft2Digital are shown as positive values added to your account balance (credits) while royalty payments from Draft2Digital show as negative values removed from your balance (debits).

One negative commenter went so far as to show his entire back and forth email exchange, and the documents of how he got a refund from a credit card dispute because he documented that the review clearly did not match what the book was about.

Leasing a car with bad credit or a negative history such as a chapter 7 or 13 bankruptcy is more difficult.

The new model is the first in the industry designed to align with consumer - focused changes in the way Equifax, Experian and TransUnion handle several types of negative credit - file records, such as medical bills in collections, tax liens and public records.

The negative marks have less influence on your credit score as time passes, year after year.

In addition, as time goes on the credit score puts less weight on your negative history.

Medical debt often appears as negative payment history on credit reports, which then affects generic risk scores used to make lending decisions.

However, credit inquiries, such as those that are performed when you apply for a loan or credit card, have a negative impact against your credit score.

Fair credit may be the result of negative marks on your credit report, such as late payments.

While cleaning up your negative marks it's just as important to build up a rock solid credit report with healthy tradelines and activity.

This can be understandable once you're established in a career and growing your wealth but it's just as important, if not more so, when you're young as something negative on your credit report can impact you in a number of ways.

The Act came about as a response to evidence that credit repair organizations were cheating money out of consumers looking to improve their credit scores by claiming to remove negative items from credit reports.

Another part of the game plan should be to request your credit report, which is free, and examine all the negative marks on it to be sure you are responsible as charged.

The most important thing to find out is if the number of revolving accounts (generally credit cards) is listed as a negative factor.

It's important to note that, as more time passes, the less impact a negative mark will have on your credit score.

But be careful about promises to change your credit history from negative to positive as they could indicate frauds.

Insofar as credit repair is a process designed to remove errors and certain negative accounts from your credit report, then it does work — the credit repair process can effectively help remove disputable items.

I don't see credit card companies as neutral businesses simply out to make an honest profit; I see them as having a negative impact on society.

As a rule, we always urge consumers to spend wisely and pay off their balance due to avoid late fees, higher penalty APRs, and negative impact on credit histories.

If there is an irregularity of payment by one of the applicants, it will have a negative impact on your credit score as well.