Ratings Like bonds, preferred stocks are rated by
the major credit rating companies, such as Standard & Poor's and Moody's.
Moody's,
another major credit rating company, said back in August that the U.S. could see a downgrade from their institution before 2013 if it observes «(1) any weakening of fiscal discipline between now and then or (2) a significant deterioration in the economic outlook resulting in adverse fiscal implications that are not offset.»
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.
The sale of nearly $ 2 million in corporate stock by high - level Equifax executives shortly after the
company learned of a
major data breach has sparked public outrage that could turn into another hurdle for the
credit rating agency.
Major credit ratings agencies immediately downgraded the
company's debt, and it's not hard to see why.
Michael Berkowitz, managing director, Treasury and Trade Solutions, Citi: Twenty years ago,
companies primarily looked at the
major credit ratings when evaluating fixed - income counterparties.
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.
With access to a vast array of lending institutions across Canada such as
major banks,
credit unions, trust
companies, and private funds, with over 70 Canada Mortgage lenders within its grasp to help you obtain the best mortgage
rates in Canada.
Experian, one of the
major agencies that help individuals and
companies manage
credit risk, says that 580 to 669 is «fair» while 670 is considered a «good»
rating.
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your
company, I am requesting that you give me a second chance at a positive
credit rating by revising the late payment (s) as reported on my three
major credit bureau files (Experian, Transunion, and Equifax).
Among the benefits are notifications prepared for the consumer to send to the three
major credit reporting agencies of their recent accomplishment for inclusion in their
credit files, a variety of discounts and reduced
rates from mortgage
companies, real estate brokers, offers of deposit waivers from participating telephone and utility
companies and special opportunities for members of participating
credit unions.
Recently, back in the month of November of 2010, we talked to one
major property management
company in Ohio that rents out luxury apartments and they said because of the economic downturn and high foreclosure
rates, they wouldn't be able to rent out many apartments if they rejected applicants with bad
credit.
There are four
major credit card
companies — Visa, MasterCard, American Express and Discover — and several factors that go into the interest
rate charged on each of their cards.
Major rating agencies such as Standard & Poor's, Moody's and A.M. Best are full - service
credit rating organizations that offer policyholders and consumers with
ratings and analysis as a means of assessing financial strength and creditworthiness of
companies.
One of the
major points to think about when you want to buy a new marine vessel is the interest
rate of a bad
credit boat loan which is attainable by the finance
company or bank.
The strong financial institution behind it, as well as it's focus on success has allowed the
company to be awarded «A»
ratings from three of the four
major credit rating agencies.
Nationwide Life Insurance
Company is doing just that, where it has put itself among the most highly
rated life insurance
companies by several of the
major credit rating agencies.
Most insurance
companies use
credit score as one of the
major factors for determining your auto insurance
rates.
Backed up by perfect
ratings from all four
major credit rating agencies, they're one of just a handful of
companies with a perfect Comdex score.
In fact, New York Life Insurance
Company has the highest financial strength
ratings awarded to any life insurer from all four of the
major credit rating agencies.
* We attempt to never use a
company who doesn't have at least an «A»
rating by one of the
major credit rating agencies.
The
company has also faced some recent downgrades to its
credit rating from the
major financial services
rating agencies — which has sent Genworth's stock shares lower.
The Good Hands People also charged the highest premiums when we compared five
major insurers on the average new - customer
rate for male and female single drivers ages 25, 35, 65, and 75 with excellent
credit and a clean driving record in 23 states where all five
companies are market leaders.
Its premiums were about in the middle when we compared five
major insurers on the average new - customer
rate for male and female single drivers ages 25, 35, 65, and 75 with excellent
credit and a clean driving record in 23 states where all five
companies are market leaders.
As of the end of March, the average FICO
credit rating for new loans issued by
major lender Sallie Mae was 746 (out of a possible 850), according to a
company report.
McLister is editor of CanadianMortgageTrends.com and founder of RateSpy.com, the latter of which provides
rates and options from more than 350 lenders, including all the
major banks,
credit unions, trust
companies and most top brokers.