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.
The rates and fees provided
by CommonBond evaluation are estimates and the rates actually provided
by CommonBond may be higher or lower depending on your complete
credit profile, and income / asset considerations including but not
limited to loan to value and
debt to income ratios.
Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or
limited credit histories with high - interest rate
debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions
by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided
by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.
Shifting
credit card balances from an existing card to another will not change the
credit utilization ratio, as it looks at the total amount of
debt outstanding divided
by your total
credit card
limits.
Moody's Investors Service announced it would review «for possible downgrade» the
credit ratings of five states, including Maryland, that could be hit particularly hard if Congress fails to raise the nation's
debt limit by the Aug. 2 deadline and defaults on its financial obligations.
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.
«Strong, conservative fiscal policies of cutting spending and
limiting our
debt have created a strong financial foundation that allows us to invest in our community and grow our tax base,» said Oneida County Executive Anthony J. Picente Jr. «The three national
credit agencies have once again confirmed our conservative approach
by maintaining our stellar
credit ratings.»
Remedy: You can try paying down
debt, taking on less
debt in the future or increasing your available
credit on your
credit cards
by requesting a
credit limit increase from your card issuer.
However, if you raise your
credit limit and then raise your
debt by the same amount or more, you're dinging your score.
Settle your balances as fast as you can (in this phase, your score may go down in the beginning, but as your
debts are «paid off», one
by one, your «
debt to income ratio» DTI will improve) + re-establish new
credit and start paying your new bills on time every month (use and pay every month) =
credit score and
credit limits will start to increase and improve
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.
Balance transfer
credit cards can help individuals pay down their card
debt faster
by offering 0 % interest for a
limited period of time.
That comment likely refers to the «
debt usage» ratio, which compares the balance reported
by the card issuer to the reported
credit limit.
This component is quantified
by calculating the ratio of revolving
debt charged on the
credit card against the prescribed card
limit.
Aim for a score of 740 or higher, which may be accomplished
by eliminating as much
debt as possible, paying
credit card bills in full and on time, and using no more than 30 % of your
credit limit.
By maintaining that accurate, but negative, information for seven years, the current
credit reporting and scoring system provides
limited incentive to pay off an underlying
debt.»
CIBIL records how much of
debt you utilize as compared to the upper
limit that is set
by the bank or
credit card issuer.
Although the percentage of the overall score that each one of those variables accounts for varies from person to person based on a variety of reasons, including how long a person has had
credit, 65 % of the score, on average, is made up
by payment history and the amount of
debt owed relative to
credit limits, or
credit utilization.
By definition, the
credit usage ratio is a ratio of a consumer's
debt versus their
credit limit.
d. Customer understands that the results obtained
by Joe's
Credit Repair on behalf of Customer are dependent on numerous factors, including but not limited to Customer's ability to repay debts and loans, cooperation of Customer's creditors, and credit reporting agencies ability to verify information provided to them by Joe's Credit Repair on behalf of cus
Credit Repair on behalf of Customer are dependent on numerous factors, including but not
limited to Customer's ability to repay
debts and loans, cooperation of Customer's creditors, and
credit reporting agencies ability to verify information provided to them by Joe's Credit Repair on behalf of cus
credit reporting agencies ability to verify information provided to them
by Joe's
Credit Repair on behalf of cus
Credit Repair on behalf of customer.
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 e
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 e
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 e
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 e
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 e
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 e
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 e
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 e
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.
But, you can use a
credit card responsibly to build good
credit quickly for future loan needs and protect yourself from
debt at the same time
by requesting a low
credit limit, making small charges you can pay off before the due date and never carrying
debt from month to month.
Your
debt to
credit ratio may also be affected
by closing unused accounts as the amount of their
limit comes of the top of your overall
credit.
As you can see above, 30 % of your
credit score is determined
by the available
credit on your open
credit cards, so keeping the
debt - to -
limit ratio will increase your available
credit and also show that you're responsible with your
credit.
But to extend your mortgage, or qualify for a home equity line of
credit, you still must be approved
by a lender and your
debt service ratios must be within allowable
limits.
Here's why you shouldn't: It can hurt your
debt - to -
credit utilization ratio — a fancy term for how much
debt you've accumulated on your
credit card accounts, divided
by the
credit limit on the sum of your accounts.
Your ratio is calculated
by the sum of your balances, or aggregate
debt, divided
by the sum of your respective
credit limits.
The
credit limit on the other hand is defined
by your income level,
debt / asset, etc).
Because your
credit score is determined, in part,
by the amount of
credit card
debt you carry compared with your
credit card
limits (the «
credit utilization ratio»), transferring a balance to a new card can help you pay off
debt and improve your
credit score.
Your overall usage ratio —
debt ($ 500) divided
by credit limit ($ 5,000)-- is 10 percent.
A third approach is to simply order the
debts by how close you happen to be to the
credit limit for that
debt, typically
by percentage.
None — this is an unsecured card and your
credit limit is determined
by your
credit score and
debt - to - income ratio
Up - front Deposit: None — this is an unsecured card and your
credit limit is determined
by your
credit score and
debt - to - income ratio
The only ways you can dramatically boost your
credit score within a month or two is
by cleaning up the public records section of your
credit report (as discussed above), paying down a substantial amount of
debt if you are close to your
credit limits (also discussed above), or getting a creditor or the
credit bureau to stop reporting negative information that is more than 7 years old.
If you're focused mostly on recovering your
credit score for a potential mortgage or car loan in the relatively near future, order your
debts by the percentage of
credit limit you're using and put the ones without a
credit limit (i.e., the ones that aren't a
credit card or a line of
credit) at the bottom.
Processing Fee: $ 125 - only charged if approved Up - front Deposit: None — this is an unsecured card and your
credit limit is determined by your credit score and debt - to - income ratio Annual Fee: $ 100 per year - billed @ $ 25 / month for first 4 months Credit: Limit Ranges between $ 1,100 and $ 6,500 depending on your qualifications Reporting: Reports to all 3 bureaus (Equifax, Experian, TransUnion) within 2 weeks Interest Rate: 21 % APR on purchases only (not
credit limit is determined by your credit score and debt - to - income ratio Annual Fee: $ 100 per year - billed @ $ 25 / month for first 4 months Credit: Limit Ranges between $ 1,100 and $ 6,500 depending on your qualifications Reporting: Reports to all 3 bureaus (Equifax, Experian, TransUnion) within 2 weeks Interest Rate: 21 % APR on purchases only (not
limit is determined
by your
credit score and debt - to - income ratio Annual Fee: $ 100 per year - billed @ $ 25 / month for first 4 months Credit: Limit Ranges between $ 1,100 and $ 6,500 depending on your qualifications Reporting: Reports to all 3 bureaus (Equifax, Experian, TransUnion) within 2 weeks Interest Rate: 21 % APR on purchases only (not
credit score and
debt - to - income ratio Annual Fee: $ 100 per year - billed @ $ 25 / month for first 4 months
Credit: Limit Ranges between $ 1,100 and $ 6,500 depending on your qualifications Reporting: Reports to all 3 bureaus (Equifax, Experian, TransUnion) within 2 weeks Interest Rate: 21 % APR on purchases only (not
Credit:
Limit Ranges between $ 1,100 and $ 6,500 depending on your qualifications Reporting: Reports to all 3 bureaus (Equifax, Experian, TransUnion) within 2 weeks Interest Rate: 21 % APR on purchases only (not
Limit Ranges between $ 1,100 and $ 6,500 depending on your qualifications Reporting: Reports to all 3 bureaus (Equifax, Experian, TransUnion) within 2 weeks Interest Rate: 21 % APR on purchases only (not fees)
C'm on people, grow up: you're not solving or
limiting a
credit card
debt challenge
by pretending it doesn't exist or is far less severe than it really is.
You can also build good
credit by making loan payments on time, keeping the amount of
debt you owe below 30 % and ideally at 10 % of your available
credit limit, and adding a mix of
credit accounts over time.
By doing such a
debt settlement, the borrower tries to
limit any negative remarks on his
credit report.
The mixed results make it unlikely other governments will actually try to
limit credit card
debt by imposing a tax on the number of plastic cards you carry.
I have heard of doing this and know people that basically paid for their honeymoon
by doing this with all their wedding expenses but my
credit right now is AWFUL and I can only get a secured
credit card with a $ 300
limit due to my low income and high student loan
debt: (I'm hoping in a few years when I'm making more income (hopefully) and pay down some
debt I can qualify for one of these cards and save money on travel and gift cards.
Used wisely, these forms of new
credit after bankruptcy will allow you to rebuild your
credit history
by keeping your monthly usage well below the actual
limit and allow you to show the lender that you can repay your
debts each month.
Compton was yet further in
debt by the time the new
credit limit was established, and, with the lender providing extensions to the cure period,
by the end of June had $ 30 million to repay to become compliant.
a) Disputes filed - 18 months b) Inquiries - 2 years c) Payment profile -5 years d) Information related to a consumers payment behavior such as slow payer, defaulted or absconded - 1 year e) Information relating to the action that a
credit provider has taken against a consumer to enforce a
debt such as handed over, legal action or write - off - 2 years f) Debt restructuring - Until a clearance certificate is given g) Civil court judgments - 5 years or until the court removes it h) Administration orders (orders to put a consumer under administration)- 10 years or until the court removes it i) Sequestrations (order given by the court where the consumer is insolvent)- 10 years or until the court removes it j) Liquidations (order given by the court where the consumer is insolvent)- no time limit k) Court order removing a liquidation or sequestrations after all the debt was paid - 5 years l) Other information (information not covered above)- 2 years Other Useful Topics Learn how to dispute information on your credit report in South Afr
debt such as handed over, legal action or write - off - 2 years f)
Debt restructuring - Until a clearance certificate is given g) Civil court judgments - 5 years or until the court removes it h) Administration orders (orders to put a consumer under administration)- 10 years or until the court removes it i) Sequestrations (order given by the court where the consumer is insolvent)- 10 years or until the court removes it j) Liquidations (order given by the court where the consumer is insolvent)- no time limit k) Court order removing a liquidation or sequestrations after all the debt was paid - 5 years l) Other information (information not covered above)- 2 years Other Useful Topics Learn how to dispute information on your credit report in South Afr
Debt restructuring - Until a clearance certificate is given g) Civil court judgments - 5 years or until the court removes it h) Administration orders (orders to put a consumer under administration)- 10 years or until the court removes it i) Sequestrations (order given
by the court where the consumer is insolvent)- 10 years or until the court removes it j) Liquidations (order given
by the court where the consumer is insolvent)- no time
limit k) Court order removing a liquidation or sequestrations after all the
debt was paid - 5 years l) Other information (information not covered above)- 2 years Other Useful Topics Learn how to dispute information on your credit report in South Afr
debt was paid - 5 years l) Other information (information not covered above)- 2 years Other Useful Topics Learn how to dispute information on your
credit report in South Africa.
Even if you never go over your
limit or are late,
by only paying the minimum monthly payment you spend years paying off small
debts and interest that far exceeds the original
credit amount.
Also, after 7 years,
by federal law says they can not report the
debt to your
credit report (unless you have made some type payment to the account, then they can, the 7 year
limit on reporting starts over)
Whether it is calls from collectors, over
limit and late fees, denial of
credit, or high interest rates, overburdened cardholders can regain control of their finances
by seeking
credit debt counseling.
In addition to property value, the amount of equity you are eligible to withdrawal from your property may be
limited by one or more other factors, such as your
credit score, mortgage repayment history, income, or
debt ratios.
The percentage of consumers scoring in the lowest score ranges — populated most frequently
by consumers with high
debt to
credit limit ratios and numerous recent and significantly past due payments — continues to drop.
Avoid the
debt trap and eliminate costly
credit mistakes
by always sticking to a set budget
limit.