In my experience with mortgage applications, income confirmations have been just as
important as credit scores when applying.
Timing is everything in maintaining good credit and when you open a new line of credit is just as
important as the credit line itself.
Minimum credit history is not as
important as the credit score itself.
You do NOT want a fly by night firm handling something as
important as credit counseling.
Your credit score is very
important as credit card issuers use it to make an approval decision.
It is your responsibility to show you can handle something as
important as credit.
Our insiders say that your income and employment history are just as
important as your credit score, DTI and down payment size.
We believe something as
important as a credit score and report should be available to consumers.
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.
Reports also include
important information such
as the number of open lines, maximum
credit, judgments, and payment trends.
«We think it's
important for consumers to know where they stand
as it relates to their
credit history.»
A recent report by the Consumer Financial Protection Bureau outlined a number of problems it found with the big three consumer reporting companies along with suggested reforms that could help consumers improve the accuracy of their own
credit reports
as well
as those all -
important three - digit scores.
As Dale Shintani, senior vice president of small business lines of credit at Wells Fargo, says: «What's important to understand is that we want to approve as many small businesses as we can.&raqu
As Dale Shintani, senior vice president of small business lines of
credit at Wells Fargo, says: «What's
important to understand is that we want to approve
as many small businesses as we can.&raqu
as many small businesses
as we can.&raqu
as we can.»
Just
as important, the stimulus, with its first - time homeowner tax
credit, allowed him to purchase a house, which in turn let him secure business financing.
«This is
important as it drives valuations in other products especially
credit where historically spreads are very tied to volatility.
Safeguard
important information such
as tax identification and bank account numbers, and watch for change of address notices from
credit companies or other vendors.
Just
as important, the days of swiping
credit cards will soon be gone forever.
Further, the decline in housing starts and permits after the expiration of the $ 8000 housing
credit was probably an
important factor in the slowdown in GDP earlier this year, and
as I wrote last week, probably plays a role in ECRI's recession call.
Some online merchants that accept bitcoin
as payment, according the FTC, may not deliver the product on time or may only offer refunds in the form of store
credit, not currency: «That is why it is
important to always know the seller and their policies before making a purchase.»
But
as you continue to grow your business your personal
credit score becomes less
important.
If your
credit score is already below average
as a result of poor decisions and irresponsible financial actions in your past, it's
important to immediately begin rectifying the situation by taking steps to begin rebuilding your
credit.
As an individual, the most
important thing for you to know is that you can request a free
credit report from each of the three major
credit bureaus once per year.
Doing the right things to build your business
credit profile is one of the most
important items you can take
as small business owner.
It's
important to start building up your business
credit history
as a small business owner, separating it out from your personal
credit.
This is the reason why it is
important to pay bills
as early
as possible to avoid such negative effect on the
credit score.
Many central banks, especially during the most acute phases of the crisis, also employed policies known
as «
credit easing,» which involves purchases of private sector assets in certain
credit markets that are
important to the functioning of the financial system but are temporarily impaired.
The most
important feature of small business banking is the relationship you have with your bank or
credit union manager, not the cost of your small business bank account,
as sooner or later almost all small businesses need a business loan and / or a line of
credit.
With the convenient rise of exchange - traded funds, also known
as ETFs, it has never been so easy to diversify your asset allocation mix by asset type, market capitalization,
credit rating, or whatever other criteria you consider
important to your investing needs.
While your
credit score is
important, the SBA cites these factors
as ones that can help you get a small business loan even with bad
credit:
As a small business owner, you don't need to be a
credit or finance expert, but in today's world, it's critically
important that you have a strong foundation of
credit knowledge and are vigilant in your efforts to build and maintain a strong profile.
Of course, in Australia the flow of
credit via intermediaries is more
important than in the US (though not quite
as important as it was in years past).
Additionally, for any business owner, it's
important to separate personal
credit use from business
credit use and avoid using personal
credit for business purposes
as soon
as possible.
As a small business owner, you don't need to be a
credit or finance expert, but in today's world, it's critically
important that you have a strong foundation of
credit knowledge and...
But what hasn't been
as widely discussed is an
important consequence for investors in this space: changes to LIBOR language in new - issue and amended
credit agreements — particularly how these changes are implemented.
At the end of the day, it's
important to remember lenders do a hard
credit check when you apply for
credit such
as a loan, a
credit card, a refinance, etc..
So while it's
important to have a good
credit score in order to refinance, it's also just
as important to maintain positive cash flow and employment status
as well.
It's
important to pay attention to changes in the
credit quality of the issuer,
as less creditworthy issuers may be more likely to default on interest payments or principal repayment.
There is a second
important problem,
as I see it, with treating the recent data
as indicating a meaningful deceleration in
credit growth.
Your
credit card activities will be reported one way or another, so it's
important that you add positive history
as you rid yourself of a thin file.
They singled out the three - digit
credit score - which banks use to determine whether a borrower is likely to repay a loan -
as especially
important in lending decisions.
Business
credit scores use some of the same factors (such
as payment history) to determine your score, but there are some
important differences.
It's therefore
important to identify differences between spouses»
credit scores early on, and work to improve the lower - scoring spouse's
credit as quickly
as possible.
Therefore, it is extremely
important that you understand your personal
credit reports,
as well
as your
credit scores.
That's
important because interest rates awarded to very creditworthy borrowers can be
as much
as 5.00 % to 6.00 % lower than those offered to borrowers with the worst
credit scores.
They will include
important considerations, such
as your
credit utilization and age of accounts.
As it turns out, your business»
credit score is considerably more
important than you might imagine.
«Among the G - SIBs [Global Systemically
Important Banks], Deutsche Bank appears to be the most important net contributor to systemic risks, followed by HSBC and Credit Suisse... The relative importance of Deutsche Bank underscores the importance of risk management, intense supervision of G - SIBs and the close monitoring of their cross-border exposures, as well as rapidly completing capacity to implement the new resolution regim
Important Banks], Deutsche Bank appears to be the most
important net contributor to systemic risks, followed by HSBC and Credit Suisse... The relative importance of Deutsche Bank underscores the importance of risk management, intense supervision of G - SIBs and the close monitoring of their cross-border exposures, as well as rapidly completing capacity to implement the new resolution regim
important net contributor to systemic risks, followed by HSBC and
Credit Suisse... The relative importance of Deutsche Bank underscores the importance of risk management, intense supervision of G - SIBs and the close monitoring of their cross-border exposures,
as well
as rapidly completing capacity to implement the new resolution regime.»
While it's not
as important as making on - time payments or getting rid of debt, your
credit history can be a valuable part of your score.
If you want to pay
as little
as possible in taxes, it's
important to learn about all the different
credits and deductions available.
But
as our provincial
credit ratings have been downgraded, it will be
important for the current and future governments to implement policies that will actually address the government's significant revenue shortfall and growing budget deficit.