Sentences with phrase «information on your creditors»

Financial Information - such as information on your creditors and accounts and the specific actions you take with regard to those accounts, as well as your credit card information (used to pay for our services); In the course of providing services to you, we may also receive information about you from your creditors or the credit reporting agencies about your accounts.

Not exact matches

And, if there is something you feel requires additional information to describe an extenuating circumstance or otherwise provide context to something negative on your report, additions made to the Fair Credit Reporting Act in 1996 allow you to add a 100 - word statement to any of the reports that include an item you dispute but wasn't removed because it was verified by the creditor.

Credit reports are a compilation of information from credit bureaus, which are companies to which creditors report borrower payment history on a regular basis.

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.

The credit bureaus and your creditors are obligated by law to report accurate information on consumer credit reports.

Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments.

Credit reports are a compilation of information from credit bureaus, which are companies to which creditors report borrower payment history on a regular basis.

Bankruptcy will not normally wipe out: (1) money owed for child support or alimony, fines, and some taxes; (2) debts not listed on your bankruptcy petition; (3) loans you got by knowingly giving false information to a creditor, who reasonably relied on it in making you the loan; (4) debts resulting from «willful and malicious» harm; (5) student loans owed to a school or government body, except if the court decides that payment would be an undue hardship; (6) mortgages and other liens which are not paid in the bankruptcy case (but bankruptcy will wipe out your obligation to pay any additional money if the property is taken back by the creditor).

They are based on information in your credit report that suggests you meet criteria set by the creditor making the offer — for example, you live in a certain zip code, you have a certain number of credit cards, or you have a certain credit score.

First of all, it is based on the information contained in your credit report and not all creditors report to all credit bureaus.

When appropriate, we will send letters directly to any creditor reporting erroneous information on any of your 3 credit reports.

Errors are made on a regular basis, they can hurt your credit scores — but they are usually easy to fix if you notify the credit reporting agency and the creditor that is reporting the incorrect information.

There are laws that apply to credit and creditors, courts, collection agencies and credit bureaus that must be followed for the information to remain on their report.

«No creditor may make a loan secured by real property [i.e., a mortgage loan] unless the creditor, based on verified and documented information, determines that, at the time the loan is consummated, the consumer has a reasonable ability to repay the loan... and all applicable taxes, insurance, and assessments.»

The credit reporting agencies update your credit report as they receive new information from creditors or lenders so your credit profile constantly changes based on your financial activity.

We customize professional individualized dispute letters for unlimited items on each of these three creditor bureaus, tatargetting also the individual creditors to ensure your credit report has 100 percent accurate, verifiable, and correct information reported.

There are some inexperienced agencies that will attempt to file disputes on all of your credit information in the hopes some creditors will not respond and the information will be eliminated, which is discouraged.

«They are based on information in your credit report that suggests you meet criteria set by the creditor making the offer — for example, you live in a certain ZIP code, you have a certain number of credit cards, or you have a certain credit score.

Not all creditors report to all three bureaus so information that shows up on one of your reports may not appear on the other two.

Generally, creditors forward information to the credit reporting agencies on a monthly basis.

Most creditors will have a favorite among the credit bureaus from where they will pull credit information on a customer.

This usually speeds up the process because when the agency contacts the creditor or information issuer regarding the subject, they will be already working on it and will resolve in a quicker way.

The contact information for the creditor will be on your credit report.

Your credit bureau report is based on information supplied over time by your creditors.

The FTC has some good information on managing your debt and contacting creditors, and finding legitimate credit counselors.

If a creditor does report on an account, however, and if both spouses are permitted to use the account or are contractually liable for its repayment, under the Equal Credit Opportunity Act you can require the creditor to report the information under both names.

Should you eventually default on your payments and the account ends up in collections, the collection agency can review the account information from the original creditor to find out where you work.

The Fair Credit Reporting Act (The absolute authority governing how information should be reported) says that if the items on your credit report aren't reported 100 % accurate, 100 % verifiable and 100 % timely by the creditors, a reasonable investigation should be conducted and the item must be removed from the report.

Most consumers know that creditors use information about them and their credit experiences — like the number and type of accounts they have, their bill paying history, and whether they pay their bills on time — to create a credit score, which...

And, if there is something you feel requires additional information to describe an extenuating circumstance or otherwise provide context to something negative on your report, additions made to the Fair Credit Reporting Act in 1996 allow you to add a 100 - word statement to any of the reports that include an item you dispute but wasn't removed because it was verified by the creditor.

Credit scores are based on information collected and reported each month by your creditors about the balances you owe and the timing of your payments to the three major credit bureaus Equifax, Experian and Transunion.

Here is what you need to understand, if you are not the one reporting the information to the credit bureaus then technically you are not in control of it, can these companies stop collection companies and creditors from changing information on your credit file?

These agencies pass on information obtained from creditors.

Credit bureaus rely on creditors and lenders to provide the information that winds up in your reports, and may not always provide information to each bureau.

If the creditor does respond within the 30 day period, the information will be updated or left as is on your report.

Thanks to the freeze, no one — specifically creditors — is able to access information based on your name and social security number.

On this website, you can find a lot of information about completing your budget, how to contact creditors and options to deal with your debts.

d. Customer understands that the results obtained by Joe's Credit Repair on behalf of Customer are dependent on numerous factors, including but not limited to Customer's ability to repay debts and loans, cooperation of Customer's creditors, and credit reporting agencies ability to verify information provided to them by Joe's Credit Repair on behalf of customer.

Information on your personal credit report associated with your records that has been reported to us by you, your creditors and other sources.

Creditors make lending decisions based on the information they find on your credit file, and each will have their own criteria to decide whether to lend money to you, how much, and at what rate of interest.

The only time you may not want all of your personal information on credit reports is when a creditor or collection agency is owed and you think you may be sued or when a creditor already has a judgment.

If the collector is a third party collecting on behalf of the original creditor, it should easily be able to get that information at the time the file is assigned by the original creditor on whose behalf it is acting.

Credit repair can work with your creditors to delete these negative entries through several different processes, or they can challenge the accuracy of the information on your report.

This information is used by your Debt management program specialist to create a budget, help find needed relief benefits from your creditors and arrange for new repayment terms to come current on your debts.

If you need information on your legal civil rights against being harassed by creditors.

Errors can be everything from the wrong address to one of your creditors reporting the wrong information on your report.

To prevent this type of damaging information from getting onto your credit report in the first place, as well as to improve your chances of obtaining future financing, be sure to make all your payments on time and do not ignore issues that arise with creditors.

One of the biggest changes is the way that creditors report information on credit card statements.

Also, be aware that while your credit report, which details specific information on all loans, creditors and payment history, is required to be provided free of charge, credit scores are not.

It bothers me that (if you can actually get through all of those acronyms) the description on the website makes it sound as if the companies supplying the information to the credit bureaus (the credit card companies, mortgage companies and collection agencies, for example) original creditor (or data furnisher).