Credit score is the three - digit figure that you find
in your credit report which indicates how credit worthy you are.
Credit Sesame Free Experian Credit Monitoring Service allows users to monitor events
in their credit reports which could negatively affect their credit scores and detect fraudulent activities.
There is a lot of valuable information
in a credit report which provides an overview for lenders about your ability to borrow money.
So there's a chance that there may be mistakes
in your credit report which may be making your credit score even worse.
Not exact matches
This is similar then,
in many ways to a personal
credit report, such as the one
which a bank will view when deciding whether or not to approve a mortgage.
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.
Either way, a
credit report gives you invaluable information
which can really help you
in formulating a strategy.
Essentially, a company
credit report gives you the benefit of seeing an objective summary of a company's
credit history and from this you get its
credit score,
which is used by all financial institutions
in assessing
credit worthiness.
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In the last few years, ironically,
credit bureaus that handle
reports on people refinancing mortgages have become big customers of factors because the banks to
which they sell the
reports are experts at cash management.
American Express is seeking the payment of a $ 20,403.64
credit card bill,
which they claim Nelly never paid, plus an additional $ 3,000
in attorney's fees, according to several media
reports.
Nevertheless, the average VantageScore,
which was developed by Experian and the other major national
credit reporting companies Equifax and TransUnion, is now 675 — the highest
in the decade since the Great Recession.
His attorneys allege Spokeo violated his rights under the Fair
Credit Reporting Act, which requires companies to correct inaccurate information in credit re
Credit Reporting Act,
which requires companies to correct inaccurate information
in credit re
credit reports.
And
in that case, you only need to alert one
credit reporting firm,
which in turn is legally obligated to share that with the others.
Statistics Canada
reported the key ratio crept lower as total household
credit market debt,
which includes consumer
credit, mortgage and non-mortgage loans, increased 1.1 per cent
in the fourth quarter to $ 2.13 trillion.
Correcting errors
in your
credit report, and
reporting actions that lower your
credit score for
which you aren't responsible, is the best thing that you can do — and, ultimately, that's on you.
Trade
credit reporting is beneficial for helping you separate your business and personal finances,
which is particularly advantageous
in regard to
credit.
In addition to factors previously disclosed in Tesla's and SolarCity's reports filed with the U.S. Securities and Exchange Commission (the «SEC») and those identified elsewhere in this document, the following factors, among others, could cause actual results to differ materially from forward - looking statements and historical performance: the ability to obtain regulatory approvals and meet other closing conditions to the transaction, including requisite approval by Tesla and SolarCity stockholders, on a timely basis or at all; delay in closing the transaction; the ultimate outcome and results of integrating the operations of Tesla and SolarCity and the ultimate ability to realize synergies and other benefits; business disruption following the transaction; the availability and access, in general, of funds to meet debt obligations and to fund ongoing operations and necessary capital expenditures; and the ability to comply with all covenants in the indentures and credit facilities of Tesla and SolarCity, any violation of which, if not cured in a timely manner, could trigger a default of other obligations under cross-default provision
In addition to factors previously disclosed
in Tesla's and SolarCity's reports filed with the U.S. Securities and Exchange Commission (the «SEC») and those identified elsewhere in this document, the following factors, among others, could cause actual results to differ materially from forward - looking statements and historical performance: the ability to obtain regulatory approvals and meet other closing conditions to the transaction, including requisite approval by Tesla and SolarCity stockholders, on a timely basis or at all; delay in closing the transaction; the ultimate outcome and results of integrating the operations of Tesla and SolarCity and the ultimate ability to realize synergies and other benefits; business disruption following the transaction; the availability and access, in general, of funds to meet debt obligations and to fund ongoing operations and necessary capital expenditures; and the ability to comply with all covenants in the indentures and credit facilities of Tesla and SolarCity, any violation of which, if not cured in a timely manner, could trigger a default of other obligations under cross-default provision
in Tesla's and SolarCity's
reports filed with the U.S. Securities and Exchange Commission (the «SEC») and those identified elsewhere
in this document, the following factors, among others, could cause actual results to differ materially from forward - looking statements and historical performance: the ability to obtain regulatory approvals and meet other closing conditions to the transaction, including requisite approval by Tesla and SolarCity stockholders, on a timely basis or at all; delay in closing the transaction; the ultimate outcome and results of integrating the operations of Tesla and SolarCity and the ultimate ability to realize synergies and other benefits; business disruption following the transaction; the availability and access, in general, of funds to meet debt obligations and to fund ongoing operations and necessary capital expenditures; and the ability to comply with all covenants in the indentures and credit facilities of Tesla and SolarCity, any violation of which, if not cured in a timely manner, could trigger a default of other obligations under cross-default provision
in this document, the following factors, among others, could cause actual results to differ materially from forward - looking statements and historical performance: the ability to obtain regulatory approvals and meet other closing conditions to the transaction, including requisite approval by Tesla and SolarCity stockholders, on a timely basis or at all; delay
in closing the transaction; the ultimate outcome and results of integrating the operations of Tesla and SolarCity and the ultimate ability to realize synergies and other benefits; business disruption following the transaction; the availability and access, in general, of funds to meet debt obligations and to fund ongoing operations and necessary capital expenditures; and the ability to comply with all covenants in the indentures and credit facilities of Tesla and SolarCity, any violation of which, if not cured in a timely manner, could trigger a default of other obligations under cross-default provision
in closing the transaction; the ultimate outcome and results of integrating the operations of Tesla and SolarCity and the ultimate ability to realize synergies and other benefits; business disruption following the transaction; the availability and access,
in general, of funds to meet debt obligations and to fund ongoing operations and necessary capital expenditures; and the ability to comply with all covenants in the indentures and credit facilities of Tesla and SolarCity, any violation of which, if not cured in a timely manner, could trigger a default of other obligations under cross-default provision
in general, of funds to meet debt obligations and to fund ongoing operations and necessary capital expenditures; and the ability to comply with all covenants
in the indentures and credit facilities of Tesla and SolarCity, any violation of which, if not cured in a timely manner, could trigger a default of other obligations under cross-default provision
in the indentures and
credit facilities of Tesla and SolarCity, any violation of
which, if not cured
in a timely manner, could trigger a default of other obligations under cross-default provision
in a timely manner, could trigger a default of other obligations under cross-default provisions.
NEW YORK — Auto loan originations are at the highest level
in eight years and auto loan balances,
which include leases, have increased for the 13th consecutive quarter, according to the Federal Reserve Bank of New York's Q2 2014 Household Debt and
Credit report.
Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure of DBRS to rate the Notes at the anticipated ratings levels,
which is a closing condition, or at all; changes
in the financial markets, including changes
in credit markets, interest rates, securitization markets generally and our proposed securitization
in particular; the willingness of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of
which could impact what
credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018,
which may exacerbate the foregoing risks; and other risks, including those described
in our Annual
Report on Form 10 - K for the year ended December 31, 2017 and
in other documents that we file with the Securities and Exchange Commission from time to time
which are or will be available on the Commission's website at www.sec.gov.
If you were denied because of information
in your
credit report, the issuer will send an adverse action notice that includes
which credit reporting agency was used and how to contact the agency.
Important factors that could cause actual results to differ from OnDeck's forward - looking statements are the risks that OnDeck may not be able to manage its anticipated or actual growth effectively, that its
credit models do not adequately identify potential risks, and other risks, including those under the heading «Risk Factors»
in OnDeck's Annual
Report on Form 10 - K for the year ended December 31, 2016, its Quarterly
Reports for the quarters ended June 30 and September 30, 2017 and
in other documents that OnDeck files with the Securities and Exchange Commission, or SEC, from time to time
which are available on the SEC website at www.sec.gov.
If you take a loan from an institution that
reports to the business
credit bureaus, and if you make timely payments, then these payments should help build your business
credit profile,
which in turn should lead to better offers if you apply for a loan again
in the future.
Many business
credit cards
report your transaction history to the business
credit bureaus instead of the personal
credit bureaus,
which is important for business owners interested
in building their business
credit and protecting their personal
credit.
On the
credit front, the Preliminary Bank Earnings
Report just released by the FDIC shows that banks have increased the rate at
which they are writing off bad loans, but the growth
in bad («noncurrent») loans is increasing even faster.
In addition to being a flexible financing and purchasing tool, there are other benefits associated with business
credit cards,
which include more sophisticated
reporting and expense tracking, the ability to issue multiple cards to employees on the same account, more flexible payment options, and often larger
credit limits compared to personal
credit cards.
There are three major
credit reporting agencies
in the United States (Experian, Transunion and Equifax)
which report, update and store consumers»
credit histories.
NEW YORK — The Federal Reserve Bank of New York today issued its Quarterly
Report on Household Debt and
Credit,
which reported that total household debt increased by $ 114 billion (0.9 %) to $ 12.84 trillion
in the second quarter of 2017.
The Depository Trust and Clearing Corporation
in the US,
which provides post-trade clearing and settlement services, is also set to go live
in the first quarter of next year with a blockchain platform for
credit default swap
reporting.
We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility
in the economy and the
credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained
in our Annual
Report on 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and
in subsequent SEC filings, any of
which could cause actual results to differ materially from those expressed
in or implied
in this presentation.
If you take a loan from OnDeck, an institution that
reports to the business
credit bureaus, and if you make timely payments, then these payments should help build your business
credit profile,
which in turn may lead to better offers if you apply for a loan again
in the future.
I based my growth expectations on what I think were conservative estimates of consumption growth and the growth
in productive investment (with
which the
reported data is currently consistent, although do not prove my assumptions one way or the other), but I always pointed out that as long as
credit growth accelerated, the growth
in non-productive investment would remain high,
in which case
reported GDP would also remain high for much longer.
It is not a perfect analogy but — except, of course, for the part
in which analyses that use the number of bookshops as a proxy for literacy are widely ridiculed — it is nonetheless similar to what happens when the health of the Chinese economy is measured by the
reported GDP data, or when second - order measures, such as the dependence of Chinese growth on debt, is estimated by looking at
credit growth
in relation to GDP growth.
WASHINGTON, D.C. (December 10, 2013)-- Mortgage
credit availability decreased slightly in November according to the Mortgage Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from the AllRegs ® Market Clarity ® pr
credit availability decreased slightly
in November according to the Mortgage
Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from the AllRegs ® Market Clarity ® pr
Credit Availability Index (MCAI), a
report from the Mortgage Bankers Association (MBA)
which analyzes data from the AllRegs ® Market Clarity ® product.
WASHINGTON, D.C. (November 12, 2013)-- Mortgage
credit availability increased slightly in October according to the Mortgage Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from the AllRegs ® Market Clarity ® pr
credit availability increased slightly
in October according to the Mortgage
Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from the AllRegs ® Market Clarity ® pr
Credit Availability Index (MCAI), a
report from the Mortgage Bankers Association (MBA)
which analyzes data from the AllRegs ® Market Clarity ® product.
WASHINGTON, D.C. (October 8, 2013)-- Mortgage
credit availability decreased in September according to the Mortgage Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from the AllRegs ® Market Clarity ® product.The MCAI d
credit availability decreased
in September according to the Mortgage
Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from the AllRegs ® Market Clarity ® product.The MCAI d
Credit Availability Index (MCAI), a
report from the Mortgage Bankers Association (MBA)
which analyzes data from the AllRegs ® Market Clarity ® product.The MCAI decreas
However, on the back of recent survey work by
Credit Karma,
which reported 59 % of 2,000 people questioned regarding crypto - related profits admitting they hadn't declared them for tax purposes, it does seem to indicate a desire to keep gains made
in Bitcoin et al to themselves.
CONTACT Ali Ahmad
[email protected] (202) 557 - 2727 WASHINGTON, D.C. (August 6, 2015)- Mortgage
credit availability increased in July according to the Mortgage Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from Ellie Ma
credit availability increased
in July according to the Mortgage
Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from Ellie Ma
Credit Availability Index (MCAI), a
report from the Mortgage Bankers Association (MBA)
which analyzes data from Ellie Mae's Al
Consumers» ability to repay their debt obligations
in a timely manner and manage their
credit wisely is reflected by their personalized
credit score (sometimes known as FICO score),
which is derived from the three
credit reporting agencies.
CONTACT Ali Ahmad
[email protected] (202) 557 - 2727 WASHINGTON, D.C. (June 4, 2015)- Mortgage
credit availability increased in according to the Mortgage Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from Ellie Mae
credit availability increased
in according to the Mortgage
Credit Availability Index (MCAI), a report from the Mortgage Bankers Association (MBA) which analyzes data from Ellie Mae
Credit Availability Index (MCAI), a
report from the Mortgage Bankers Association (MBA)
which analyzes data from Ellie Mae's All
In today's fast paced business world more partners, lenders, and potential accounts need to make quick decisions as to
which suppliers, borrowers, and partners they want to work with; decision - makers use a variety of business
credit scores, indexes, and
reports to discard unqualified candidates from being considered for a partnership or a loan.
We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility
in the economy and the
credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained
in the Information Statement filed as an exhibit to our Annual
Report on Form 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and
in subsequent SEC filings, any of
which could cause actual results to differ materially from those expressed
in or implied
in this presentation.
Most lenders will
report delinquent accounts to the
credit bureaus — i.e., the agencies who generate
credit reports — 90 days after a payment is missed,
which will trigger a drop
in the borrower's
credit score.
The «officially tabulated» mainstream b.s.
reports are not picking up the numbers, but the large
credit card issuers (like Capital One) and auto debt issuers (like Santander Consumer USA) have been showing a dramatic rise
in troubled
credit card and auto debt loans for several quarters, especially
in the sub-prime segment
which is now, arguably the majority of consumer debt issuance at the margin.
The company cautions you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility
in the economy and the
credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained
in the company's most recent Annual
Report on Form 10 - K filed with the U.S Securities and Exchange Commission (the «SEC») and
in subsequent SEC filings, any of
which could cause actual results to differ materially from those expressed
in or implied
in this press release.
These factors — many of
which are beyond our control and the effects of
which can be difficult to predict — include:
credit, market, liquidity and funding, insurance, operational, regulatory compliance, strategic, reputation, legal and regulatory environment, competitive and systemic risks and other risks discussed
in the risk sections of our 2017 Annual
Report; including global uncertainty and volatility, elevated Canadian housing prices and household indebtedness, information technology and cyber risk, regulatory change, technological innovation and new entrants, global environmental policy and climate change, changes
in consumer behavior, the end of quantitative easing, the business and economic conditions
in the geographic regions
in which we operate, the effects of changes
in government fiscal, monetary and other policies, tax risk and transparency and environmental and social risk.
A personal loan balance is
reported as installment debt,
which is treated differently
in credit scoring formulas than revolving debt such as
credit cards.
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.
Subprime auto - loan delinquencies are rising and Experian recently
reported that the national bank
credit - card default rate set a 46 - month high
in April at 3.35 %,
which was up from 3.09 % a year earlier.
In addition to our new supervision program, we began handling consumer complaints about
credit reporting issues, all of
which will open a clear window into the actual operations of these companies.