Sentences with phrase «existing debt and credit»

Make sure you have a clean track record of at least 12 months of on time payments on all your existing debt and credit card bills before you apply for a home loan.

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.

But the relief is usually temporary, and the debtor is out getting new credit, on top of the existing debt consolidation loan.

In January, the Company replaced its existing debt with a $ 10.0 million credit agreement to strengthen its balance sheet, provide additional cash for operations and provide increased financial and operating flexibility through a covenant package more suitable to its business.

To qualify for the lowest rate presented, a borrower will need an excellent credit profile, take the loan out with a qualified co-borrower, use their loan to consolidate existing debt, and authorize the direct payment of that debt to their existing creditors using the loan proceeds.

At the end of the day, paying down existing debts and avoiding taking out lots of new debt will help your credit score go up.

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.

But the most important mortgage requirements for California home buyers are those that relate to the borrower's credit score, existing debt, and income situation.

If you have any dings in your credit history, paying down your existing debt and making sure that you always make on - time payments can help you improve your credit and improve your chances of being approved for a loan.

BBVA Compass typically requires an unlimited personal guarantee from an owner or CEO, which provides additional protection to the bank for collecting existing and future debts, says Credit Manager David Battles.

So cardholders in debt can transfer their existing balances to this card and avoid interest without paying the balance transfer fee imposed by all other credit cards with interest free promotional financing offers.

As you work through the application, make sure to gather account statements on your existing mortgage, car loans, student loans, home equity lines of credit and any other debts.

You will need to gather account statements on all remaining debts, including your existing mortgage, home equity lines of credit, car loans and student loans.

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.

Make sure you pay off any existing credit card debt and notify creditors of your change in circumstance.

The bill establishes a tax credit scholarship and educational expense assistance program for students with disabilities, a «financial hardship transition program» for ISDs losing ASATR, $ 60 million in additional funding for open - enrollment charter schools, and $ 60 million in additional funding for the existing debt allotment program.

How it works is you would take out a new loan or line of credit and use that to pay off your existing debts.

Eligible Purchases means the amount of purchases of goods and services that are charged to your HSBC Advance Mastercard ® account except for quasi-cash transactions (which include purchases of wire transfers, travelers cheques, foreign currency, money orders, payment of an existing debt, bets, lottery tickets and gaming chips) less any credits for returns, rebates or adjustments.

It is ideal for those in need of funds to clear existing debts, to overcome court judgments, and rebuild credit status after bankruptcy.

All of this speaks to the idea that credit unions can be more lenient and more communicative when it comes to dealing with existing debt.

If you're a consumer or business carrying a sizable balance on your existing credit cards, the best balance transfer 0 % intro APR credit card can be a good tool for reducing your interest and debt burden.

Private lenders usually are not concerned with credit scores, but instead they care about the value of the property and existing secured debts.

This is because credit card companies, banks, and building societies may become hesitant in lending to you if still have lots of existing debt.

You are on the right track if you are thinking about choosing a credit card that offers zero percent balance transfer deals so you can move all your existing debt onto that card and clear it off at the...

There is only one way to improve the credit score, and that is to reduce the existing debt.

While some financial emergencies can be solved by using a credit card, cards have been a source of financial problems because as a source of existing easy credit they have often been used casually, at times irresponsibly, and ultimately led to people having significant unsecured debt incurring high interest rates.

For example, if you are trying to lower your existing interest rates on your unsecured debt or just looking to get out of debt faster, taking a personal loan even at a slightly higher rate may help improve your credit, lower your monthly payments, save on interest in the long run and even help you get out of debt faster.

The second consumer group which benefits from the DTI rule change is existing homeowners doing a debt consolidation: refinancing and using home equity to pay down credit cards.

California's attorney general filed a lawsuit against the schools and its subsidiaries (Heald, Everest College, and WyoTech) in 2013 for a predatory scheme targeting low - income students, and the schools were accused of falsely advertising programs that didn't exist, misleading students about their credits transferring to Cal State, and engaging in illegal debt collection practices.

By taking advantage of the intro APR offer new cardholders can transfer their existing credit card balance and begin using their payments to reduce their debt.

If you anticipate having to borrow money while you're still paying off your existing debt, reduce the size of your extra payment and set aside the difference until you have enough to pay for the purchase with cash instead of credit.

Keep in mind — the new mortgage is based only on your income, credit score and existing debt.

It would appear to the outside eye that it no longer exists since it's off your credit report and you don't have to pay it, but technically speaking — the debt won't disappear until the statute of limitations is reached in your state.

That means prospective borrowers will need to meet the same credit, debt - to - income, residual income and other requirements as a veteran purchasing an existing home.

If you have existing credit card debt, you might want to transfer it onto a balance transfer credit card, and pay it off while using your debit card for everyday purchases.

So cardholders in debt can transfer their existing balances to this card and avoid interest without paying the balance transfer fee imposed by all other credit cards with interest free promotional financing offers.

The company surveyed borrowers during the first seven months of 2017 and found that borrowers who received a loan to consolidate existing debt or pay off credit card balances reported that they saved an average of $ 287 per month.

In a report titled «Three Myths about Peer - to - Peer Loans,» the authors called into question a narrative frequently told by digital lenders — that the sector's customers typically refinance existing debt at lower interest rates, boost their credit scores and improve their financial health.

The «Loan Information» tab provides key attributes of the loan, including debt coverage ratios, existing debt obligations, and the loan guarantors» credit scores.

It is important to note that rising rates only impact new borrowers and those with existing variable rate debt, such as adjustable rate mortgages, home equity lines of credit, and credit card balances.

Prospective borrowers will need to meet the same credit, debt - to - income, residual income and other requirements as a veteran purchasing an existing home.

Some of the factors that credit card companies consider in determining your credit limit include your credit score, existing debts and your income level.

Credit and Debt counseling is a FREE process that evaluates your existing financial situation and determines appropriate solutions.

Debt Consolidation (synonyms: debt consolidation loan, credit card consolidation and consolidated loan)-- refers to a loan that is used to pay existing debt — then leaving the borrower with a single loan to pay bDebt Consolidation (synonyms: debt consolidation loan, credit card consolidation and consolidated loan)-- refers to a loan that is used to pay existing debt — then leaving the borrower with a single loan to pay bdebt consolidation loan, credit card consolidation and consolidated loan)-- refers to a loan that is used to pay existing debt — then leaving the borrower with a single loan to pay bdebt — then leaving the borrower with a single loan to pay back.

«If you reuse the existing, newly paid - off credit cards and end up back in the same debt, then you're actually in debt twice over,» says Ulzheimer.

Then they collect a fixed monthly payment from you and disburse it to creditors in order to pay off your existing credit card debt.

-- You are at least 18 years old — You are an American citizen or a permanent resident of the US — You have good or excellent credit rating — Your income and assets can support your existing debt obligations as well as the desired loan amount

Commit to not putting anything else on the credit cards you have, and to paying some portion of the existing debt every month until you're debt - free.

But without any emergency savings, you'll likely end up borrowing money from family and friends, neglecting your existing payment obligations, or putting purchases on a high - interest credit card, all of which can drive you into debt.

When you consolidate credit card debt, you take out a new personal loan and use those funds to pay off existing credit card balances.