Sentences with phrase «consumer reporting companies at»

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The Alphabet - backed Silicon Valley startup, valued at $ 1.1 billion, became the first company allowed to sell genetic tests (and accompanying health - risk reports) for 10 different diseases directly to consumers without a prescription.

There are at least a dozen statutes, similar to the Fair Credit Reporting Act, which govern how companies gather, share, or sell consumer information, legal experts say.

While rumors about a potential merger between the electric car maker and consumer electronics giant have swirled for years, a new Bloomberg report suggests that Tesla has recruited at least 150 employees from Apple — more than any other company, including competing car firms.

A report released last year by executive recruiting firm Spencer Stuart found that CMOs at U.S. consumer brand companies are now spending 44 months on the job, on average, down from 48 months in 2014.

Looking at the sector - wide performance of Corporate America in the second quarter of this year, more than 80 percent of the companies in information technology, healthcare and the financial - services space reported higher than estimated EPS growth, closely followed by the consumer staples industry producing food, beverages, household articles, while about 60 - 70 percent of the companies listed under the energy, utilities and materials sectors reported better than expected EPS numbers.

A Canadian subsidiary of Equifax Inc. is lobbying Ontario politicians to pump the brakes on a government bill — proposed after the massive data breach at the Atlanta - based company last year — that could provide consumers stronger controls over information held by it and other credit - reporting agencies.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

In a report published on February 26, 2017 by CBC Marketplace, Canada's «consumer watchdog,» CBC retained university researchers to test the chicken content of grilled chicken sold at certain quick - service food companies.

The report argued public anger and consumer pressure were helpful tools for convincing large companies to behave more responsibly, with the widespread outrage at tax dodging by Starbucks and Amazon being notable examples.

The release also includes some helpful back - up for King's statements, including reports on Levy's association with Ethan Ellner, whose title company received $ 85,000 worth of county business even though he is an ex-con, and Lazio's Wall Street bonus and efforts to fight consumer protections while he was a lobbyist at JP Morgan.

Gov. Andrew Cuomo, responding to the massive security breach at Equifax, will propose regulations today that subject credit reporting agencies to the same rules as banks and insurances companies in order to protect consumers.

A recent report by the New York Public Interest Research Group (NYPIRG) took a close look at how companies weigh some of the non-driving related factors when they provide price quotes to consumers.

And last year, Erlich and co-worker Joe Pickrell at the New York Genome Center and Columbia University made another splash by inviting people who have had their DNA tested by consumer genetics companies such as 23andMe and Ancestry.com to share their DNA reports with their group and others for research.

Consumer Reports is calling on Tesla to disable the automatic steering function in the Autopilot driving - assist system available in its Model S vehicles until the company updates the function to confirm that the driver's hands remain on the steering wheel at all times.

Bowker, a company that has released some vital reports on studies conducted across various aspects of the publishing industry, spoke to GoodEReader at Digital Book World about the staggering growth of ebooks in the market, the metadata requirements that help a reading audience find the books that are being produced, and the overall buying and reading preferences of consumers.

Samsung is one of a number of a companies unveiling e-readers at CES but the category has been overshadowed lately by reports that consumer electronics star Apple may shortly unveil a tablet computer that may double as an e-book reader.

When quizzed at a briefing at Consumer Reports on the rumours that the company is preparing its own proprietary tablet device, CEO Jeff Bazos replied, «Stay... Read more

The Fair Credit Reporting Act (FCRA) requires each of the three nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 1Reporting Act (FCRA) requires each of the three nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 1reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

Since there are three major consumer - reporting agencies, the modeling companies typically implement the latest algorithm version at a single agency, and then move on to the second, and so on.

Therefore, private companies frequently pull consumer reports on at least two people: the student and the cosigner.

A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 1Reporting Act requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 1reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

These companies may interpret the FCRA as allowing them to report consumer information at their discretion.

A credit report may be obtained from each of the three national credit reporting companies (Experian, Equifax and TransUnion) at no charge once every 12 months at www.annualcreditreport.com, a site mandated by the government to allow consumers access to one annual credit report from each of the credit bureaus.

Many title companies do not pull a copy of your consumer report or look at your FICO score.

At the urging of the Consumer Financial Protection Bureau (CFPB), credit card companies, credit reporting agencies and non-profit credit counseling agencies are working together to get more people to pay attention to their credit scores by making the scores easily accessible.

(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 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 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 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 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 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 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 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.

Remember, the credit bureaus and Fair Isaac Corporation are private companies... When the FACTA amendment to the Fair Credit Report was passed in 2003, it required the bureaus to provide free credit reports to consumers every 12 months (www.annualcreditreport.com) and scores (at a cost), but the law did not specify which scores they must provide.

Don't contact the three nationwide consumer reporting companies individually or at another address because you may end up paying for a report that you're entitled to get for free.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 1Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 1reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

At myFICO.com the FICO scores are based on a consumer's information directly from their credit reports from all of the three major credit - reporting companies: Equifax, Experian and TransUnion.

Moreover, at the FTC's 2008 workshop entitled «Consumer Protection and the Debt Settlement Industry,» representatives of the American Bankers Association and American Express reported that consumers are paying debt settlement companies excessive fees unnecessarily, since most consumers can settle their debts on their own by contacting their credit card issuers directly.

A payment status showing that a consumer is not late with payments at the time that the lender reported to the credit reporting company.

What to do about it: If a company has looked at your credit report without a legitimate reason or permission, you should consider contacting a consumer law attorney.

Consumer Reports details how insurance companies use credit scores, or at least variations of traditional scores to help them determine your premium.

At the urging of the Consumer Financial Protection Bureau (CFPB), credit card companies, credit reporting agencies and...

The federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 1Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 1reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.

In February 2013, the Federal Trade Commission released the results of a comprehensive study of credit reporting errors, finding that 21 percent of American consumers had an error on a credit report from at least one of the three major credit reporting companies.15 Thirteen percent of consumers had errors serious enough to change their credit score.

Those Front DSCs include at least the following entities: First Rate Debt Solutions, Expert Settlement Professional, P&E Solutions, Freedom Debt Center, Accredited Financial Corporation, Amber Network Inc., Best Debt Options, Beyond Financial Service, Brite Credit Inc. (d / b / a Brite Credit 123), Century Negotiations Inc., Clear Debt Solution, Coastal Debt Solutions LLC, Consumerwise Debt Solutions Inc., Counsel 4 Debt Relief, Countrywide Debt Solutions Inc., Credit Care Corporation, CreditCare Pro, Debt Help Center USA, Debt National Relief, Debt Reinvestment, Debt Solutions, Debt Erase Inc., DebtPointer Inc., DebtPro LLC, DTS Financial Group, E.A.C. Financial LLC, FBL Associates, Freedom Debt Solutions, Help Settle LLC, Helpsettle.com, Innovative Debt Solutions, Lifeguard Financial, Maximum Debt Solutions, Morgan Stevens Financial Solutions Company, National Financial Freedom LLC, Nationwide Consumer Advocacy Group, On Track Financial LLC, Personal Debt Systems of America, Princeton Debt Management LLC, Reduce My Debt LLC, Settle A Debt Inc., Settlement Corporation of America, SilverLeaf Debt Solutions, The Debt Answer, The Debt Cure, US Consumer Report, Vision Debt.com and World Debt Solutions.

A recent amendment to the federal Fair Credit Reporting Act (FCRA) a / k / a Fair and Accurate Credit Transaction Act (FACTA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 1Reporting Act (FCRA) a / k / a Fair and Accurate Credit Transaction Act (FACTA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 1reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.

The savvy folks at Disinformation pointed us to a report from Argus Leader about how several fast food companies, under consumer pressure, are ditching the ammoniated boneless lean beef trimmings.

January 29, 2013 - The rate at which consumers shopped for auto insurance dipped in mid-2013, according to a new report from credit consulting company TransUnion.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report, at your request, once every 1Reporting Act (FCRA) requires each of the nationwide consumer reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report, at your request, once every 1reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report, at your request, once every 12 months.

Consumer Reports conducted a two - year data analysis of «more than 2 billion car insurance quotes in every US zip code» to discover what sample drivers would pay at leading insurance companies in various markets.

The rate at which consumers shopped for auto insurance dipped in mid-2013, according to a new report from credit consulting company TransUnion.

However, here's the great news: Consumer Reports recently took a look at the insurance industry and determined these 2 top - ranked companies are cheaper than the competition!

Financial experts report that in the auto insurance world, different consumers are likely to find their best auto insurance bargains at different companies, so that in reality, there may be no «best auto insurance company» overall.

However, here's the great news: Consumer Reports recently took a look at the insurance industry and determined these two top - ranked companies are cheaper than the competition!

To find the best auto insurance in Virginia, we followed the methodology we used in our nationwide review of the best auto insurance: We looked at what consumer agencies like J.D. Power and Consumer Reports had to say about the companies, as well as financial analysis groups A.M. Best, S&P Global, and Moody's, who gave each of our companies a rating based on their financial stconsumer agencies like J.D. Power and Consumer Reports had to say about the companies, as well as financial analysis groups A.M. Best, S&P Global, and Moody's, who gave each of our companies a rating based on their financial stConsumer Reports had to say about the companies, as well as financial analysis groups A.M. Best, S&P Global, and Moody's, who gave each of our companies a rating based on their financial stability.

We evaluated the overall claims process and company reputation by examining the J.D. Power score and Consumer Reports ratings, and took a look at each business's financial stability (after all, you want a business to be able to pay out in the event of a claim).

These insights were compiled based on reports by consumers and collected through an interactive insurance rate comparison platform at InsurEye.com, where you can test your own insurance premiums, read independent consumer reviews for nearly every insurance company and get the best car insurance quotes to reduce your insurance expenses.