Sentences with phrase «different at each credit reporting»

FICO scores can be different at each credit reporting agency because they're based on the information that specific agency has on file.

Not exact matches

Afterwards, you may look at the individual reporting agencies, in order to fine - tune and optimize your credit score, based on the different factors each of them considers.

You could have different scores if a lender doesn't report to all three credit bureaus or reports updates to them at different times.

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.

At this late stage, the best strategy is very different from removing paid versus unpaid medical debt collection accounts from credit reports.

Your scores may be different at each of the three main credit reporting agencies as the FICO score only considers the data in your credit file from that agency.

If you go apply for a car loan at five different banks over a few months if you keep getting rejected (a bad idea), five hard hits will be visible on your credit report.

The way lenders and other businesses report information to the credit reporting agencies sometimes results in different information being in your credit report at the three agencies.

But in fact there are three different FICO scores developed by Fair Isaac, one at each of the three main US credit reporting agencies.

Now, different credit card companies may behave differently as far as reporting (since reporting is at their discretion), but it's certainly possible for cards with no utilization to appear identically to cards with utilization from a payment history point of view.

Credit reporting agencies like to see that you have the ability and responsibility to handle multiple accounts at the same time, as well as different types of loans.

According to MyFICO, «Lenders report credit information to the credit bureaus at different times, often resulting in one agency having more up - to - date information than another.»

Because not all creditors report to all three credit bureaus, you may have a different credit profile at each.

How credit scores are created Now let's look at when you should expect to see a credit score, beginning with an understanding of the different minimum credit reporting criteria required by the two major credit scoring systems:

You may have been at the top of one scorecard with a collection account on your credit report but once the collection account is deleted, you may fall to the bottom of a different; but higher, scorecard bucket.

But that's not the case because countries have different privacy and credit reporting laws, says Rod Griffin, director of public education at Experian.

Credit repair agencies are great at finding different technicalities to get certain items removed from your report.

It is critical that you keep a close watch on all three credit reports from the three different bureaus, which would allow you to stop fraud from going overboard; it would also enable you to notice errors and do something about it at an earlier time.

Lenders report credit information to the credit bureaus at different times, often resulting in one agency having more up - to - date information than another.

This is different from a «soft inquiry,» which occurs when you look at your credit report or businesses check it for any other reason besides a credit or loan application.

Different card issuers report your balances to the credit bureaus at different times of the mDifferent card issuers report your balances to the credit bureaus at different times of the mdifferent times of the month, so.

The credit report is what employers look at and it is vastly different from the report that you can get once a year, as well as the ones banks use to approve or reject loans.

It should be noted that since the creditors report at different times to each credit bureau, different amounts and dates can appear on each credit report.

For instance, here's a look at the different scores available out there, and where to pick them up (some products mentioned below bundle credit scores with reports):

Lenders will look at a range of scores — weighted a bit differently for the mortgage industry — from the different credit reporting agencies and generally focus on the middle ground.

Dozens of credit scoring models are in use (FICO alone has at least 49 different models), and most of them use the data from just one of the reports from the three credit reporting bureaus.

Equifax, Experian and TransUnion sometimes have access to different information, so your credit reports at each will reflect that different information.

If a credit issuer looked at one report and saw that you qualified using that information, but pulled a different report — with different information — that told a different story, your application might be rejected.

But just how many people really looked at their reports is unclear: In the same survey, 44 % said that credit report and credit score were different names for the same thing.

Consumers should use just one free credit reports at different times throughout the year.

Therefore, parts of your credit accounts and history may appear in different credit reports, or not at all.

For credit report monitoring purpose you can order your free yearly credit report from different credit bureaus at different time.

I really, really hope that this will finally be the catalyst for improving security at a number of different high - risk companies such as these credit reporting agencies.

The information on your credit report, even at a single bureau, might be presented to different people in various ways.

For example, if you are applying for a job and your potential employer wants to look at your credit as part of the background check, a version of your credit report might be used that is different to what a lender might see.

It's common for your credit reports to be slightly different at each credit bureau as lenders can report to any, all three or none of the credit bureaus.

That number (or range) is virtually impossible to nail down, as each bank looks at different criteria and pulls from different credit reporting bureaus, but this article will give you a solid guide to applying for the best rewards cards for you.

Different banks make inquiries at different credit reporting agencies, so it is best to distribute your credit card applicationDifferent banks make inquiries at different credit reporting agencies, so it is best to distribute your credit card applicationdifferent credit reporting agencies, so it is best to distribute your credit card applications evenly.

The U.S. News & World Report just issued a survey reporting on 10 different survey questions aimed at getting insight into the world of travel credit card rewards.

You might say that applying for a lot of cards at once looks bad, but remember, there are 3 big credit reporting companies, and each card issuer picks a different one to «pull» your credit from.

Some insurers use their own scoring models, while others use outside vendors, and different insurers may place greater emphasis on different aspects of your credit report in computing your score, said Lamont Boyd, insurance industry director for scores and analytics at FICO, which provides insurance - scoring software in addition to traditional credit scores.