Sentences with phrase «growing use of credit»

As a result, the EEOC held a public Commission meeting in October 2010 to hear testimony on the growing use of credit histories of job applicants as selection criteria during employment background screening to see if the practice is discriminatory.

With cash purchases becoming rare and the risk of accepting checks rising, the preferred payment method for goods and services is through the growing use of credit and debit cards.

Petrilli said the growing use of credit recovery by school districts is alarming and may be responsible for the record high national graduation rate that was achieved for the 2013 - 14 school year.

Not exact matches

When used correctly, your credit rating — and ultimately the amount of capital you can get — can grow positively.

What's more, lenders charge significant, and growing, premiums for the second mortgages and home - equity - backed lines of credit that are often used for cottage financing.

That's because of two practices in growing use at regional and national banks: credit scoring and automatic loan decisions, or what banks call «autodecisioning.»

Businesses that are experiencing temporary cash flow squeeze as a result of increasing sales, growing pains, expansion, seasonal fluctuations, acquisitions, high leverages, insufficient or used up credit lines.

Earlier this year, bosses named the roll out of Universal Credit as a key factor fuelling the growing demand for foodbank use - a claim the Government challenged, saying it was unfair to attribute the trend to a single issue.

I've been noticing some great specials on some of my favorite consignment stores and at Kid - t0 - Kid I can take the clothes that C has grown out of and use the store credit to buy new - to - us clothes for Miss A.

As Dating Factory's Latin American membership grows we are looking for ways of getting more and more people to use our services and pay not only with credit cards or text messages but do it in a way that they are used to and comfortable with.

And throughout this country, these families are often not informed about their options for preparing their kids for success in school and in life, including opportunities to take Advanced Placement courses or participate in the growing number of dual - credit programs that allow them to take community college courses that they can use for getting ready for the rigors of higher education.

Antifraud check occurs because of growing number of fraud transactions from persons who are not actual cardholders of the credit cards used during purchase.

Many credit unions have widened their membership requirements to include more people; this is especially true of credit unions that are interested in growing membership using the Internet.

Other borrowers use their proceeds as a line of credit, using home equity as a strategic financial retirement tool to reserve a line of credit that grows automatically over time.

If the Available Funds of your loan is $ 350,000 after the net Principal Limit and costs have been determined, and you don't use those funds then your credit line begins to grow monthly based on the interest rates.

Other examples of bad debt are using credit cards to pay for vacations or other expenses that will not grow in value.

«FICO Score 9 uses a more refined treatment of consumers with a limited credit history and those with accounts at collection agencies, so that lenders can grow their credit and loan portfolios more confidently,» said Jim Wehmann, executive vice president for Scores at FICO.

We are a proud participant in Shared Branching, a fast - growing national and international network of credit unions that allows members of other credit unions to use their branches to conduct basic teller transactions.

If she does not use the line, she does not accrue interest on any funds she does not use and the line of credit grows on the unused portion.

A growing number of creditors, as well as insurance companies, employers, and landlords, use your credit score together with (or rather than) your credit history to make decisions about you.

But hope has arrived for these credit - challenged folks: A growing number of lenders are using alternative credit - scoring methods to assess a home buyer's creditworthiness for a home loan — which means that many who have been shut out of the home - buying game so far might now have a shot.

It usually starts with irresponsible use of credit cards and grows worse as unforeseen circumstances like unemployment, medical emergencies or unforeseen changes in a family situation come into the picture.

If you have a mortgage; take out a reverse and make similar payments growing a line of credit for future use.

LOC allows unused line of credit to grow at the same rate the borrower is paying on the used credit, thus the line of credit amount grows.

Once you've started using your card and your points balance begins to grow, start getting an idea of when you'll be able to redeem your points visiting your credit card's travel portal or the travel loyalty program for flights, stays, or packages that you're interested in.

And that line of credit actually can grow throughout retirement and that can become a very valuable tool as part of the retirement plan that can be used in a number of different ways.

With a reverse mortgage, the unused line of credit grows at the same rate the borrower is paying on the used credit, whereas with a traditional home equity line of credit, the credit line stays the same amount as what a borrower had originally signed up with.

The use of homes as piggy banks is a concern as home equity lines of credit have grown rapidly.

The less than ideal debt is part of the reason why the use of personal loans has grown, as people consolidate credit card debt and pay off medical expenses with them, among other things.

Other types of consumer debt have grown dramatically since 2008, which suggests people are using credit to supplement incomes that are depleted by housing costs.

As economic hardship spreads and the potential of adverse credit history grows, use of credit reports for hiring, promotion or retention decisions could adversely affect employment opportunities for a wide range of applicants and workers.

The use of credit checks has grown and at the same time questions have emerged about the fairness of the practice, whether the results of the credit check correlate to job performance and whether there are any adverse impacts.

And while a growing number of state laws restrict the circumstances under which an employer can discriminate against job applicants on the basis of credit history (see endnotes for a list of state statutes), federal law permits employers to use credit history as a basis for denying employment.5

A growing area of credit mismanagement for younger debtors is the use of high cost debt options like credit cards, subprime car loans and payday loans.

Traditional bank debt and lines of credit still account for most of Joe Debtor's personal loans; however, the use of alternative lending products has grown.

A growing number of today's singles employ a FICO filter, using credit scores to judge whether a date is responsible... (See Creditworthy dating)

According to new research from Mercator Advisory Group, a growing number of consumers — particularly those making $ 100,000 or more a year — are choosing to use rewards credit cards to pay for their everyday purchases rather than debit.

Synthetic identity theft crimes growing fast, targeting kids — Synthetic identity theft is growing fast, and victims may be children or others who don't use credit, so they're unaware of the crime for years... (See Synthetic identity theft)

These are part of a growing roster of benefits that Platinum Card Members can already take advantage of including: up to $ 200 Airline Fee Credit that can be used for incidental fees such as baggage on a selected airline each year, Starwood Preferred Guest Gold Status and Hilton Honors ™ Gold Status, access to the Delta Private Jet program, complimentary access to Wi - Fi hotspots provided by Boingo Wireless, a Fee Credit for Global Entry or the TSA Pre ✓ program application and no foreign exchange fees.

So instead of receiving that money in the form of statement credit or using it to buy uber - inflated merchandise and travel through the issuer, you can put your savings into a compounding - interest account where your earnings will continue to grow.

Since then, the rate of credit card use has grown while debit card growth has slowed.

Purchasers of carbon credits also want contractual agreements with forest owners to guarantee the carbon stays in the forest, which may prevent local people from using the forest to grow food, fix a roof or even hunt for generations.

Refundable tax credits have been directed towards low income families in the United States and have also been proposed for health care premiums (please see «Use of Refundable Tax Credits Has Grown in Recent Years&rcredits have been directed towards low income families in the United States and have also been proposed for health care premiums (please see «Use of Refundable Tax Credits Has Grown in Recent Years&rCredits Has Grown in Recent Years»).

The amounts credited to the cash value in your IUL grow tax - deferred, and may be used to pay insurance premiums, providing the flexibility to reduce or even stop making out - of - pocket premiums payments as long as the minimum premium payment is being met.

Ast manager all aspects of a rent to own store reach goals on a daily and weekly time frame reach standards on a daily and weekly and month end close Accomplishments Was able to help store grow AP, 40.000 in revenue and 250 in customers Skills Used collection tools computer skills taking payment, reports daily, credit card pos,, open and close store on a Regular time frame CNAC.

It was not a mature, healthy way of dealing with a crossroad, but they can take all the credit for using it to grow and improve both individually and as a couple.

Amid growing public concern over extending the use of credit scores to domains beyond lending (2, 3), we find that credit scores modestly but significantly predict risk for cardiovascular disease in a cohort of adults entering midlife.

When I started in this business I funded deals by using whatever I could scrape together with my credit cards and lines of credit and graduated into using my own funds from the profits of those deals... all in the process of proving a strategy and developing a track record before using OPM to grow it.

With a reverse mortgage, the unused line of credit grows at the same rate the borrower is paying on the used credit, whereas with a traditional home equity line of credit, the credit line stays the same amount as what a borrower had originally signed up with.

Other borrowers use their proceeds as a line of credit, using home equity as a strategic financial retirement tool to reserve a line of credit that grows automatically over time.