Sentences with phrase «credit agency employee»

Many have been denied loans just because a credit agency employee had made a mistake.

Not exact matches

Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.

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I / we agree that if any material change (s) occur (s) in my / our financial condition that I / we will immediately notify BSHFC of said change (s) and unless Baby Safe Homes Franchise Corporation is so notified it may continue to rely upon the application and financial statement and the representations made herein as a true and accurate statement of my / our financial condition.nI / we authorize Baby Safe Homes Franchise Corporation to make whatever credit inquiries / background checks it deems necessary in connection with this application and financial statement.nI / we authorize and instruct any person or consumer reporting agency to furnish to BSHFC any information that it may have to obtain in response to such credit inquiries.nIn consideration of the ongoing association between Baby Safe Homes and the undersigned applicant (hereinafter u201cApplicantu201d), the parties hereto have entered into this Non-Disclosure and Non-Competition Agreement.nWHEREAS, in the course of its business operations, Baby Safe Homes provides its customers products and services which, by nature of the business, include trade secrets, confidential and proprietary information, and other matters deemed material or important enough to warrant protection; and WHEREAS, Applicant, by reason of his / her interest in Baby Safe Homes and in the course of his / her duties, has access to said secrets and confidential information; and WHEREAS, Baby Safe Homes has trade secrets and other confidential and proprietary information, including procedures, customer lists, and particular desires or needs of such customers to which Applicant has access in the course of his / her duties as an Applicant.nNow, therefore, in consideration of the premises contained herein, the parties agree as follows Applicant shall not, either during the time of his / her franchise evaluation with Baby Safe Homes or at any time thereafter either directly or indirectly, communicate, disclose, reveal, or otherwise use for his / her own benefit or the benefit of any other person or entity, any trade secrets or other confidential or proprietary information obtained by Employee by virtue of his / her employment with Baby Safe Homes, in any manner whatsoever, any such information of any kind, nature, or description concerning any matters affecting or relating to the Baby Safe Homes business, or in the business of any of its customers or prospective customers, except as required in the course of his / her employment by Baby Safe Homes or except as expressly authorized Baby Safe Homes Franchise Corporation, in writing.nDuring any period of evaluation with Baby Safe Homes, and for two (2) years thereafter, Applicant shall not, directly or indirectly, induce or influence, divert or take away, or attempt to divert or take away and, during the stated period following termination of employment, call upon or solicit, or attempt to call upon or solicit, any of the customers or patrons Baby Safe Homes including, but not limited to, those upon whom he / she was directly involved, or called upon, or catered to, or with whom became acquainted while engaged in the franchise evaluation process of a Baby Safe Homes franchise business.

Additionally, «we» or «us» shall mean any third party providing benefits, services, or products in connection with the Account (including but not limited to credit reporting agencies, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, directors, employees, agents and representatives) if, and only if, such a third party is named by you as a co-defendant in any Claim you assert against us.

«If there is no correlation, then employers who don't hire consumers with bad credit could be missing out on some good employees,» says Sandy Shore, senior counselor with New Jersey - based consumer credit counseling agency Novadebt.

f. Joe's Credit Repair, corporation, investors, owners or employees are not responsible or liable for any damage cause by our services or natural disaster, you the «CUSTOMER» «USER» will be the only person responsible and liable for any sue or damage cause by our credit repair service, original creditors, creditors and collection agency asCredit Repair, corporation, investors, owners or employees are not responsible or liable for any damage cause by our services or natural disaster, you the «CUSTOMER» «USER» will be the only person responsible and liable for any sue or damage cause by our credit repair service, original creditors, creditors and collection agency ascredit repair service, original creditors, creditors and collection agency as well.

SUGAR LAND, Texas, March 8, 2017 — A recent survey conducted by Money Management International (MMI), the nation's largest nonprofit credit counseling agency, reveals the positive impact financial coaching and education has had on the lives of the employees of an Oregon - based company.

If a charge is not cleared within 6 months, American Express has gone on record to say they will report the employee to the credit reporting agencies.

A person who obtains a credit report without proper authorization — or an employee of a credit reporting agency who gives a credit report to unauthorized persons — may be fined up to $ 5,000 or imprisoned for one year, or both.

Alabama but having a resident employee in Alabama whose employment includes making consumer loans or taking assignments of consumer credit contracts shall obtain a license for the location where the creditor maintains its records regarding Alabama loans or Alabama consumer credit contracts; and provided further, that, banks chartered by this state or any other state, banks chartered by the United States, trust companies, savings or building and loan associations, savings banks and other thrift institutions, credit unions, life insurance companies, and federally constituted agencies shall be exempt from licensing.

(The exemption does not apply to an attorney who is an employee of, or who is otherwise directly affiliated with, a credit repair agency.)

YOU UNDERSTAND THAT BY ACCEPTING THESE TERMS AND CONDITIONS YOU ARE PROVIDING «WRITTEN INSTRUCTIONS» TO ZANDER IDENTITY THEFT SOLUTIONS («We» or «Us») AND ITS, EMPLOYEES, AGENTS, SUBSIDIARIES, AFFILIATES, CONTRACTORS, THIRD PARTY DATA PROVIDERS, AND ALL NATIONAL CREDIT REPORTING AGENCIES UNDER THE FAIR CREDIT REPORTING ACT (FCRA), AS AMENDED, INCLUDING, WITHOUT LIMITATION, EXPERIAN, TRANSUNION, EQUIFAX AND AFFILIATED ENTITIES, TO ACCESS YOUR CREDIT FILES FROM EACH NATIONAL CREDIT REPORTING AGENCY AND TO EXCHANGE INFORMATION ABOUT YOU WITH EACH SUCH NATIONAL CREDIT REPORTING AGENCY IN ORDER TO VERIFY YOUR IDENTITY AND TO PROVIDE THE SERVICES TO YOU.

By requesting, obtaining or using a Credit Card from us you agree that we may release information in our records regarding you and your Credit Account: (a) to comply with government agency or court orders; (b) to share your credit performance with credit reporting agencies and other creditors who we reasonably believe are or may be doing business with you on your Credit Account; (c) to provide information on your Credit Account to any third party who we believe is conducting an inquiry in accordance with the Federal Fair Credit Reporting Act; (d) to share information with our employees, agents or representatives performing work for us in connection with your Credit Account; or (e) as otherwise permitted by the Bank's privacy pCredit Card from us you agree that we may release information in our records regarding you and your Credit Account: (a) to comply with government agency or court orders; (b) to share your credit performance with credit reporting agencies and other creditors who we reasonably believe are or may be doing business with you on your Credit Account; (c) to provide information on your Credit Account to any third party who we believe is conducting an inquiry in accordance with the Federal Fair Credit Reporting Act; (d) to share information with our employees, agents or representatives performing work for us in connection with your Credit Account; or (e) as otherwise permitted by the Bank's privacy pCredit Account: (a) to comply with government agency or court orders; (b) to share your credit performance with credit reporting agencies and other creditors who we reasonably believe are or may be doing business with you on your Credit Account; (c) to provide information on your Credit Account to any third party who we believe is conducting an inquiry in accordance with the Federal Fair Credit Reporting Act; (d) to share information with our employees, agents or representatives performing work for us in connection with your Credit Account; or (e) as otherwise permitted by the Bank's privacy pcredit performance with credit reporting agencies and other creditors who we reasonably believe are or may be doing business with you on your Credit Account; (c) to provide information on your Credit Account to any third party who we believe is conducting an inquiry in accordance with the Federal Fair Credit Reporting Act; (d) to share information with our employees, agents or representatives performing work for us in connection with your Credit Account; or (e) as otherwise permitted by the Bank's privacy pcredit reporting agencies and other creditors who we reasonably believe are or may be doing business with you on your Credit Account; (c) to provide information on your Credit Account to any third party who we believe is conducting an inquiry in accordance with the Federal Fair Credit Reporting Act; (d) to share information with our employees, agents or representatives performing work for us in connection with your Credit Account; or (e) as otherwise permitted by the Bank's privacy pCredit Account; (c) to provide information on your Credit Account to any third party who we believe is conducting an inquiry in accordance with the Federal Fair Credit Reporting Act; (d) to share information with our employees, agents or representatives performing work for us in connection with your Credit Account; or (e) as otherwise permitted by the Bank's privacy pCredit Account to any third party who we believe is conducting an inquiry in accordance with the Federal Fair Credit Reporting Act; (d) to share information with our employees, agents or representatives performing work for us in connection with your Credit Account; or (e) as otherwise permitted by the Bank's privacy pCredit Reporting Act; (d) to share information with our employees, agents or representatives performing work for us in connection with your Credit Account; or (e) as otherwise permitted by the Bank's privacy pCredit Account; or (e) as otherwise permitted by the Bank's privacy policy.

An employer shall not: fail or refuse to hire or recruit, discharge, or otherwise discriminate against an individual with respect to employment, compensation, or a term, condition, or privilege of employment because of the individual's credit history or credit report; inquire about an applicant's or employee's credit history; or order or obtain an applicant's or employee's credit report from a consumer reporting agency.

No employer, employment agency, licensing agency or agent shall use information in a consumer credit report of a job applicant or employee in connection with or as a criterion for employment decisions related to hiring, termination, promotion, demotion, discipline, compensation, or the terms, conditions or privileges of employment.

A person who obtains a credit report without proper authorization, or an employee of a credit reporting agency who gives a credit report to unauthorized persons, may be fined up to $ 5,000 or imprisoned for one year, or both.

I hereby consent to a background investigation and release and hold harmless Guide Dogs of America employees / agents, law enforcement agencies, credit reporting agencies, state and federal agencies, educational institutions, owners present and / or past employers, landlords, and all officer and employees that shall provide information to Guide Dogs of America, upon request, for and again any and all claims, suits, or expenses arising from or related to the content, validity, or handling of said reports.

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reAgencies»), $ ad - agencies) $ variableNames.put ($ slugNames.get («Advertising»), $ advertising) $ variableNames.put ($ slugNames.get («Announcements»), $ announcements) $ variableNames.put ($ slugNames.get («Communication»), $ communication) $ variableNames.put ($ slugNames.get («Community Service»), $ community) $ variableNames.put ($ slugNames.get («Credit / Collections»), $ credit) $ variableNames.put ($ slugNames.get («Customer Affairs»), $ customer) $ variableNames.put ($ slugNames.get («Dealing with Complaints»), $ dealing - complaints) $ variableNames.put ($ slugNames.get («Discipline»), $ discipline) $ variableNames.put ($ slugNames.get («Employee Development»), $ employee) $ variableNames.put ($ slugNames.get («Human Relations (from subordinates)»), $ human - from) $ variableNames.put ($ slugNames.get («Human Relations (to subordinates)»), $ human - to) $ variableNames.put ($ slugNames.get («Internal Affairs»), $ internal) $ variableNames.put ($ slugNames.get («Job Application»), $ job) $ variableNames.put ($ slugNames.get («Legal»), $ legal) $ variableNames.put ($ slugNames.get («Management»), $ management) $ variableNames.put ($ slugNames.get («Notices»), $ notices) $ variableNames.put ($ slugNames.get («Personnel Issues»), $ personnel) $ variableNames.put ($ slugNames.get («Professional Relations»), $ professional) $ variableNames.put ($ slugNames.get («Promotional»), $ promotional) $ variableNames.put ($ slugNames.get («Proposals»), $ proposals) $ variableNames.put ($ slugNames.get («Prospecting New Customers»), $ prospecting) $ variableNames.put ($ slugNames.get («Public Relations»), $ public - reagencies) $ variableNames.put ($ slugNames.get («Advertising»), $ advertising) $ variableNames.put ($ slugNames.get («Announcements»), $ announcements) $ variableNames.put ($ slugNames.get («Communication»), $ communication) $ variableNames.put ($ slugNames.get («Community Service»), $ community) $ variableNames.put ($ slugNames.get («Credit / Collections»), $ credit) $ variableNames.put ($ slugNames.get («Customer Affairs»), $ customer) $ variableNames.put ($ slugNames.get («Dealing with Complaints»), $ dealing - complaints) $ variableNames.put ($ slugNames.get («Discipline»), $ discipline) $ variableNames.put ($ slugNames.get («Employee Development»), $ employee) $ variableNames.put ($ slugNames.get («Human Relations (from subordinates)»), $ human - from) $ variableNames.put ($ slugNames.get («Human Relations (to subordinates)»), $ human - to) $ variableNames.put ($ slugNames.get («Internal Affairs»), $ internal) $ variableNames.put ($ slugNames.get («Job Application»), $ job) $ variableNames.put ($ slugNames.get («Legal»), $ legal) $ variableNames.put ($ slugNames.get («Management»), $ management) $ variableNames.put ($ slugNames.get («Notices»), $ notices) $ variableNames.put ($ slugNames.get («Personnel Issues»), $ personnel) $ variableNames.put ($ slugNames.get («Professional Relations»), $ professional) $ variableNames.put ($ slugNames.get («Promotional»), $ promotional) $ variableNames.put ($ slugNames.get («Proposals»), $ proposals) $ variableNames.put ($ slugNames.get («Prospecting New Customers»), $ prospecting) $ variableNames.put ($ slugNames.get («Public Relations»), $ public - relaCredit / Collections»), $ credit) $ variableNames.put ($ slugNames.get («Customer Affairs»), $ customer) $ variableNames.put ($ slugNames.get («Dealing with Complaints»), $ dealing - complaints) $ variableNames.put ($ slugNames.get («Discipline»), $ discipline) $ variableNames.put ($ slugNames.get («Employee Development»), $ employee) $ variableNames.put ($ slugNames.get («Human Relations (from subordinates)»), $ human - from) $ variableNames.put ($ slugNames.get («Human Relations (to subordinates)»), $ human - to) $ variableNames.put ($ slugNames.get («Internal Affairs»), $ internal) $ variableNames.put ($ slugNames.get («Job Application»), $ job) $ variableNames.put ($ slugNames.get («Legal»), $ legal) $ variableNames.put ($ slugNames.get («Management»), $ management) $ variableNames.put ($ slugNames.get («Notices»), $ notices) $ variableNames.put ($ slugNames.get («Personnel Issues»), $ personnel) $ variableNames.put ($ slugNames.get («Professional Relations»), $ professional) $ variableNames.put ($ slugNames.get («Promotional»), $ promotional) $ variableNames.put ($ slugNames.get («Proposals»), $ proposals) $ variableNames.put ($ slugNames.get («Prospecting New Customers»), $ prospecting) $ variableNames.put ($ slugNames.get («Public Relations»), $ public - relacredit) $ variableNames.put ($ slugNames.get («Customer Affairs»), $ customer) $ variableNames.put ($ slugNames.get («Dealing with Complaints»), $ dealing - complaints) $ variableNames.put ($ slugNames.get («Discipline»), $ discipline) $ variableNames.put ($ slugNames.get («Employee Development»), $ employee) $ variableNames.put ($ slugNames.get («Human Relations (from subordinates)»), $ human - from) $ variableNames.put ($ slugNames.get («Human Relations (to subordinates)»), $ human - to) $ variableNames.put ($ slugNames.get («Internal Affairs»), $ internal) $ variableNames.put ($ slugNames.get («Job Application»), $ job) $ variableNames.put ($ slugNames.get («Legal»), $ legal) $ variableNames.put ($ slugNames.get («Management»), $ management) $ variableNames.put ($ slugNames.get («Notices»), $ notices) $ variableNames.put ($ slugNames.get («Personnel Issues»), $ personnel) $ variableNames.put ($ slugNames.get («Professional Relations»), $ professional) $ variableNames.put ($ slugNames.get («Promotional»), $ promotional) $ variableNames.put ($ slugNames.get («Proposals»), $ proposals) $ variableNames.put ($ slugNames.get («Prospecting New Customers»), $ prospecting) $ variableNames.put ($ slugNames.get («Public Relations»), $ public - reEmployee Development»), $ employee) $ variableNames.put ($ slugNames.get («Human Relations (from subordinates)»), $ human - from) $ variableNames.put ($ slugNames.get («Human Relations (to subordinates)»), $ human - to) $ variableNames.put ($ slugNames.get («Internal Affairs»), $ internal) $ variableNames.put ($ slugNames.get («Job Application»), $ job) $ variableNames.put ($ slugNames.get («Legal»), $ legal) $ variableNames.put ($ slugNames.get («Management»), $ management) $ variableNames.put ($ slugNames.get («Notices»), $ notices) $ variableNames.put ($ slugNames.get («Personnel Issues»), $ personnel) $ variableNames.put ($ slugNames.get («Professional Relations»), $ professional) $ variableNames.put ($ slugNames.get («Promotional»), $ promotional) $ variableNames.put ($ slugNames.get («Proposals»), $ proposals) $ variableNames.put ($ slugNames.get («Prospecting New Customers»), $ prospecting) $ variableNames.put ($ slugNames.get («Public Relations»), $ public - reemployee) $ variableNames.put ($ slugNames.get («Human Relations (from subordinates)»), $ human - from) $ variableNames.put ($ slugNames.get («Human Relations (to subordinates)»), $ human - to) $ variableNames.put ($ slugNames.get («Internal Affairs»), $ internal) $ variableNames.put ($ slugNames.get («Job Application»), $ job) $ variableNames.put ($ slugNames.get («Legal»), $ legal) $ variableNames.put ($ slugNames.get («Management»), $ management) $ variableNames.put ($ slugNames.get («Notices»), $ notices) $ variableNames.put ($ slugNames.get («Personnel Issues»), $ personnel) $ variableNames.put ($ slugNames.get («Professional Relations»), $ professional) $ variableNames.put ($ slugNames.get («Promotional»), $ promotional) $ variableNames.put ($ slugNames.get («Proposals»), $ proposals) $ variableNames.put ($ slugNames.get («Prospecting New Customers»), $ prospecting) $ variableNames.put ($ slugNames.get («Public Relations»), $ public - relations)

When employers use background screening companies (consumer reporting agencies) for employee background checks (including credit reports, employment verifications, criminal records screening, driving records, and more) to hire new employees and evaluate existing employees for promotion, reassignment, and retention, they are bound by FCRA regulations.

The colossal data breach at credit reporting agency Equifax in 2017 affected most working adults in the U.S., exposing the vast scope of cybercrime and reinforcing the need for employers to do their part in safeguarding of applicants» and employees» personal information.

Employment Screening Resources ® (ESR)-- a leading global background screening firm — offers two complimentary whitepapers to help employers deal with the explosion of class action lawsuits involving alleged violations the federal Fair Credit Reporting Act (FCRA): Common Ways Prospective or Current Employees Sue Employers Under the FCRA and Common Ways Consumer Reporting Agencies are Sued Under the FCRA.

Employers performing background checks to screen applicants or employees may attempt to search these governmental sources themselves or conduct a simple Internet search, but they often rely on third - party background screening businesses.41 Businesses that sell criminal history information to employers are «consumer reporting agencies» (CRAs) 42 if they provide the information in «consumer reports «43 under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (FCRA).

The Registered Mortgage Professional designation is used by Mortgage Loan Originators who are an employee of a depository institution (including credit union) regulated by a federal banking agency (OCC, OTS, FDIC, FRB, NCUA), a subsidiary owned and controlled by a depository institution and regulated by a federal banking agency, or an institution regulated by the Farm Credit Administrcredit union) regulated by a federal banking agency (OCC, OTS, FDIC, FRB, NCUA), a subsidiary owned and controlled by a depository institution and regulated by a federal banking agency, or an institution regulated by the Farm Credit AdministrCredit Administration.