Each model measures five
key credit factors weighted by their importance in credit scoring:
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.
Cash flow and
credit quality are other
key factors.
Such risks, uncertainties and other
factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of
credit and
factors that may affect such availability, including
credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various
factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire
key personnel.
«Regardless of your
credit score, one of the
keys to improving or maintaining your
credit health is simply knowing your score and what the
factors are that go into the score,» Manfred says.
Whether you want to get a
credit card, buy a home, buy a new car or get another type of loan, your score can be a
key factor in the lender's decision to approve you.
But, according to myFICO, your
credit mix is rarely a
key factor in calculating your
credit score.
Paying down
credit card balances, in particular, can help you lower your
credit utilization ratio — a
key factor in how
credit bureaus calculate your score.
This card hits all the
key factors of what makes a perfect travel rewards
credit card.
FICO ®
Credit Score Terms: Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bu
Credit Score Terms: Your FICO ®
Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bu
Credit Score,
key factors and other
credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bu
credit information are based on data from TransUnion ® and may be different from other
credit scores and other credit information provided by different bu
credit scores and other
credit information provided by different bu
credit information provided by different bureaus.
FICO ®
CREDIT SCORE TERMS: Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bu
CREDIT SCORE TERMS: Your FICO ® Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bu
CREDIT SCORE TERMS: Your FICO ®
Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bu
Credit Score, key factors and other credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bu
Credit Score,
key factors and other
credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bu
credit information are based on data from TransUnion ® and may be different from other credit scores and other credit information provided by different bu
credit information are based on data from TransUnion ® and may be different from other
credit scores and other credit information provided by different bu
credit scores and other credit information provided by different bu
credit scores and other
credit information provided by different bu
credit information provided by different bu
credit information provided by different bureaus.
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 Comm
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 Comm
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 Comm
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 Comm
Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.
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.
Howard
credited an increase in staffing and training as one of the
key factors leading to accreditation.
This is a
key factor in carbon offset schemes, in which trees are given a cash value according to their carbon content, and
credits can be traded in exchange for preserving trees.
New research suggests dietary fat could be a
key factor in triggering the fatal metastatic progression of prostate cancer (
Credit: Spectral / Depositphotos)
New research suggests dietary fat could be a
key factor in triggering the fatal metastatic progression of prostate cancer (
Credit: < a href ="https://depositphotos.com/48698929/stock-photo-fat-cells.html" rel="nofollow"> Spectral / Depositphotos )
He
credits this system, more than any of the myriad genetic
factors that might be working in his favor, as being the
key to his success in bodybuilding.
Try coach Ashley Kaltwasser's personal strategies for drinking enough H2O, which she
credits as a
key factor in achieving her goals.
How much you've charged relative to your total available
credit is a
key factor in calculating your
credit score.
(More than one industry expert has
credited Z Channel's showings of Annie Hall as a
key factor in the film winning Best Picture.)
From the crisp animation to the voice cast, there are also the
key factors that make a great movie and that is clear direction as well as emotionally taxing conflict and villain of sorts, and you have to give
credit to the script written by Tim McCanlies.
He
credits Karafelis as «a
key factor in my arts education and a large reason why I continue to explore the arts professionally today.»
And while the degree to which any particular
factor gets blame or
credit for widening or narrowing the gaps is debatable, the authors in this issue of The State Education Standard agree that differences in educational opportunity play a
key role.
When it came to the improvements that have occurred, Torlakson said not all the reasons are known, but he did
credit the increased education budgets over the last few years from Gov. Jerry Brown as a
key factor.
In addition to overall savings and program usage, the Tax -
Credit Scholarship Audit breaks down the 10 tax - credit scholarship programs in seven states — Arizona, Florida, Georgia, Indiana, Iowa, Pennsylvania and Rhode Island — by size, growth, program design, savings and other key fa
Credit Scholarship Audit breaks down the 10 tax -
credit scholarship programs in seven states — Arizona, Florida, Georgia, Indiana, Iowa, Pennsylvania and Rhode Island — by size, growth, program design, savings and other key fa
credit scholarship programs in seven states — Arizona, Florida, Georgia, Indiana, Iowa, Pennsylvania and Rhode Island — by size, growth, program design, savings and other
key factors.
Even after controlling for
credit score and other
key risk
factors,
Fellows gives
credit to his race teams, business partners, staff and longtime corporate relationships with Chevrolet and Michelin as
key factors in his success.
But the
key to having a good
credit score is to give all five
factors equal attention, as opposed to concentrating your efforts in one or two areas.
Helpful information from the three remaining
key credit score
factors could push a rating higher at one particular agency.
If approved, the new loan could affect three
key credit rating
factors.
One of the
key factors in a
credit score is
credit utilization ratio which is one of the five elements that goes into your
credit score.
Banks usually use
credit score as a
key deciding
factor with mortgage applications, however private lenders can lend to people with bad
credit.
Several major banks and
credit card issuers also provide a version of the FICO
credit score for free on a monthly or quarterly basis for their customers, along with educational
credit articles,
key factors hurting your score and historical trend of your score.
The most widely used
credit score is the FICO score and when creditors use this they are looking at five
key factors: payment history, accounts owed, length of
credit history, types of
credit used, and new
credit available.
Another
factor to keep in mind is the age of your
credit history, which is one of the five
key factors for your
credit score.
They look at your
credit score, job situation but for private second mortgages the equity in your home is the
key factor in private money lending.
But if you have your eye on your
credit score and are wavering about going forward with a modification, there are a few
key factors to keep in mind.
The
credit mix usually won't be a
key factor in determining your FICO ® Score — but it will be more important if your
credit report does not have a lot of other information on which to base a score.
Credit utilization — the comparison of debt to credit limit — is a key factor in the calculation of your credit
Credit utilization — the comparison of debt to
credit limit — is a key factor in the calculation of your credit
credit limit — is a
key factor in the calculation of your
credit credit score.
The
key to a positive
credit score is in honoring all the terms including payment deadlines, interest amounts, and other
factors.
«My
Credit Group has been a key factor in allowing me to offer the highest quality service to my clients regarding their credit repair.&
Credit Group has been a
key factor in allowing me to offer the highest quality service to my clients regarding their
credit repair.&
credit repair.»
«In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the
key factors affecting your
credit scores.
Approval with bad
credit is possible because the
key factors have little to do with scores and ratings.
However, the following
factors have been identified as playing
key roles in the calculation: past payment history, debt owed, length of
credit history, any newly obtained
credit and types of
credit used.
It's updated weekly, tells you
key factors that impact your
credit and has a Credit Simulator that shows how your decisions could affect your
credit and has a
Credit Simulator that shows how your decisions could affect your
Credit Simulator that shows how your decisions could affect your score.
One of the
key factors that cause
credit scores to move up or down is how much debt you owe on revolving accounts (such as
credit cards and lines of
credit) compared to your total available
credit limits.
Many
credit reports contain a summary
key in the bureau score section where you can quickly see which
factors impacted the consumer's score.
The
key factors to consider when shopping around for a
credit card online are interest rates, benefits (airline miles, shopping discounts), terms & conditions.
Understanding the
credit score
factors is the
key to improving your
credit scores.