Sentences with phrase «by fair credit»

If you reject applicants on the basis of information obtained from a credit report, you're required by the Fair Credit Reporting Act to provide certain detailed information on how to contact the credit agency.

As reported previously by ESR News in November 2012, the CFPB announced in the Federal Register corrections to typographical and technical errors in the earlier versions of three essential CFPB forms required by the Fair Credit Reporting Act (FCRA) in the background screening process starting January 1, 2013: «A Summary of Your Rights Under the Fair Credit Reporting Act,» «NOTICE TO USERS OF CONSUMER REPORTS: OBLIGATIONS OF USERS UNDER THE FCRA,» and «NOTICE TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA.»

If your company gets background information on prospective employees, it's likely you're covered by the Fair Credit Reporting Act.

The new CFPB notices were first reported in the ESR News blog «Background Screening Firms must Modify Forms Mandated by Fair Credit Reporting Act by January 1 2013» posted August 9, 2012 by Attorney Les Rosen, Founder and CEO of background check firm Employment Screening Resources (ESR).

It is required by the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. («FCRA») to maintain the confidentiality of all consumer information.

As a very new avenue through which personal information is gleaned, social media is not currently endorsed by the Fair Credit Reporting Act (FCRA).

A company that compiled and sold criminal record reports has entered into a settlement agreement with the Federal Trade Commission as a result of charges that it operated as a consumer reporting agency without taking consumer protection measures required by the Fair Credit Reporting Act (FCRA).

We adhere to all guidelines set forth by the Fair Credit Reporting Act (FCRA), federal, and state laws.

This isn't just our advice — it's also the law, as outlined by the Fair Credit Reporting Act (FCRA).

However, we only considered websites that abide by the Fair Credit Reporting Act (FCRA) and are legally allowed to conduct background checks for pre-employment purposes.

For purposes of this Agreement only, you understand that AccuScreen, Inc is a consumer reporting agency and provides consumer reports and investigative consumer reports («Screening Reports») as defined by the Fair Credit Reporting Act («FCRA»).

BeenVerified is not a consumer reporting agency as defined by the Fair Credit Report Act.

If your credit card (or its number) is stolen and fraudulent purchases are made, you are protected by the Fair Credit Billing Act, which caps your personal liability at $ 50.

If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.

(4) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency, as provided by the Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.).

It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).

The credit reports provided or requested through our Site are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.

SageStream, LLC is a consumer reporting agency that is regulated by the Fair Credit Reporting Act.

(4) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency, as provided by the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.);

By the Fair Credit Reporting Act you're also entitled to receive an experian free yearly or annual credit report once a year.

As a team here at Best Texas Credit Pros, we want you to understand you are protected by the Fair Credit Billing Act, which regulates original creditors.

As US citizens we are protected by the Fair Credit Reporting Act.

The Credit Union may obtain credit bureau or similar reports in considering applications for accounts or other services as permitted by the Fair Credit Reporting Act.

The credit statute of limitations is dictated by the Fair Credit Reporting Act Process and does not influence the state statute of limitations for debt collection.

SageStream, LLC is a credit reporting agency that provides consumer reports and scores regulated by the Fair Credit Reporting Act (FCRA).

Some creditors choose not to report to limit the potential liability imposed on data providers by the Fair Credit Reporting Act.

Even though your creditor or the credit bureau can remove negative items whenever they choose, here are the rules set forth by the Fair Credit Reporting Act (FCRA):

Retain negative information for a period that is allowed by the Fair Credit Reporting Act.

The credit data provided or requested through our product is not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.

(1) Before executing a contract or agreement with or receiving money or other valuable consideration from a buyer, a credit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling services.

Terms, defined.For purposes of the Credit Services Organization Act: (1) Buyer shall mean an individual who is solicited to purchase or who purchases the services of a credit services organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other business entity.

Creditors, collectors, and credit bureaus are subject to the rules outlined by the Fair Credit Reporting Act (FCRA), a complex document.

A credit inquiry occurs when a potential credit grantor, potential employer, rental housing agency, or other entity with a «permissible purpose» (as defined by the Fair Credit Reporting Act) requests access to your credit report.

This falls under guidelines set by the Fair Credit Reporting Act (FCRA), which essentially implies that anything longer is unfair to a consumer trying to move on with his or her life, financially speaking.

Disputing inaccurate items on your credit report is a legal right granted to you by the Fair Credit Reporting Act (FCRA), which protects your right to fair and accurate credit reports.

Not exact matches

To be fair, there have been a several times that markets didn't recover as quickly after seismic geopolitical events such as the invasion of France in 1940 and the Yom Kippur War (which led to a complete realignment of control over global oil), according to the Credit Suisse team led by Keating.

When we talk about a «credit score,» we mean your FICO score, which was developed by the Fair Isaac Corporation.

The FICO score is based on a model created by Fair Isaac Corporation and is the most commonly used credit score.

And, if there is something you feel requires additional information to describe an extenuating circumstance or otherwise provide context to something negative on your report, additions made to the Fair Credit Reporting Act in 1996 allow you to add a 100 - word statement to any of the reports that include an item you dispute but wasn't removed because it was verified by the creditor.

Potenza has been finding opportunities in short - duration corporate bonds issued by relatively resilient, well - run companies with strong balance sheets, improving credit profiles, and fair valuations.

I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter (s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purcredit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter (s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purcredit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter (s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purcredit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter (s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purcredit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter (s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purcredit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purCredit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.

There are many ways to submit credit card transactions to your merchant account, either by phone, online or with a card - swiping terminal, which can be fixed in your retail store or wireless for mobile services such as taxis or selling at multiple venues such as trade shows or craft fairs.

The Company records advertising and marketing development fund programs with customers as a reduction to revenue unless it receives an identifiable benefit in exchange for credits claimed by the customer and can reasonably estimate the fair value of the identifiable benefit received, in which case the Company records it as a marketing expense.

I understand that by clicking on the I Agree button immediately following this notice, I am providing «written instructions» to Braintree under the Fair Credit Reporting Act authorizing Braintree to obtain information from my personal credit profile or other informCredit Reporting Act authorizing Braintree to obtain information from my personal credit profile or other informcredit profile or other information.

These positive earnings drivers were more than offset by the combined impact of several factors, including increased energy - related provisions for credit losses, a 17 basis point decline in net interest margin, moderate growth of non-interest expenses, the addition of acquisition - related contingent consideration fair value changes reflecting performance within CWB Maxium Financial (CWB Maxium), higher preferred share dividends, and the 20 % increase to CWB's income tax rate in Alberta.

Loans backed by the FHA are attractive to first - time homebuyers because FHA loans make it easier to obtain financing, requiring only minimal down payments and fair - to - good credit scores.

Peer to peer services feature loans offered by individual lenders who may be more sympathetic and willing to offer loans to individuals with fair or poor credit.

You can make sure you're getting a fair deal by taking advantage of publicly available data on the pricing of bond you're looking to buy, or bonds with similar maturities, credit ratings and interest rates.

By now, you're aware that your personal credit is fair game when it comes to your Intelliscore Plus score.

And while Kraft deserves some credit, as none of the other Big Coffee companies is making this type of effort, real environmental preservation and fair prices for farmers is far, far better served by purchasing sustainable coffees from small companies and roasters with relationships with their suppliers, especially those that provide information on the specific farms where their beans are sourced.