Not exact matches
When your
file is frozen, no one can
access your data, and the
credit reporting agency can't sell it either.
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 provisions.
Locking your Equifax
credit file will
not prevent
access to your
credit file at any other
credit reporting agency.
The links are
not displayed very clearly and both of these companies will also try to sell you instant
access to view your
credit report
file On - line instead.
With a Security Freeze, lenders will
not be able to gain
access to your
credit file unless you give permission by «thawing» the frozen
file using a secret code, similar to a PIN number.
But that isn't necessarily true because late filers, especially those who are low to middle income, risk losing government benefits such as child tax
credits,
access to provincial assistance programs and GST rebates if they don't
file on time.
A
credit repair business and its salespersons, agents, and representatives, and independent contractors who sell or attempt to sell the services of a
credit repair business, shall
not do any of the following: (1) Charge or receive any money or other valuable consideration prior to full and complete performance of the services that the
credit repair business has agreed to perform for or on behalf of the consumer; (2) Charge or receive any money or other valuable consideration solely for referral of the consumer to a retail seller or to any other
credit grantor who will or may extend
credit to the consumer, if the
credit that is or will be extended to the consumer is upon substantially the same terms as those available to the general public; (3) Represent that it can directly or indirectly arrange for the removal of derogatory
credit information from the consumer's
credit report or otherwise improve the consumer's
credit report or
credit standing, provided, this shall
not prevent truthful, unexaggerated statements about the consumer's rights under existing law regarding his
credit history or regarding
access to his
credit file; (4) Make, or counsel or advise any consumer to make, any statement that is untrue or misleading and which is known or which by the exercise of reasonable care should be known, to be untrue or misleading, to a consumer reporting agency or to any person who has extended
credit to a consumer or to whom a consumer is applying for an extension of
credit, with respect to a consumer's creditworthiness,
credit standing, or
credit capacity; or (5) Make or use any untrue or misleading representations in the offer or sale of the services of a
credit repair business or engage, directly or indirectly, in any act, practice, or course of business which operates or would operate as a fraud or deception upon any person in connection with the offer or sale of the services of a
credit repair business.
However, restrictions on
credit reports do
not apply to your existing creditors, debt collectors collecting for your existing creditors, or government agencies under certain circumstances (e.g., court or administrative order, subpoena, search warrant), all of which will still be able to
access your
credit file.
With a freeze in place, your
credit file will
not be released to anyone who requests it (creditors you already do business with will still have
access to your
file).
But States of the US, municipalities whose States don't allow them to
file for Chapter 9, members of the EU, and other Semi-Sovereign
credits that don't have
access to a printing press have it tougher, but I think the same test applies.
Married couples who
file jointly have
access to certain
credits and deductions, like the Earned Income Tax
Credit, and the student loans interest deduction, which they would
not get if they
filed «married
filing separately.»
According to the CBC (I haven't found the decision yet), the Federal Court of Canada has called Bell «reprehensible» for
accessing a customer's
credit file without consent and then showing disdain for his complaint.
Your agent and members of the agency staff do
not have
access to your
credit file.