Sentences with phrase «of credit factored»

It also includes a free analysis of the credit factors you can improve and compares your credit score with the national average of your state average credit score.

First, by opening so many credit cards, you are impacting the inquiries piece of the credit factors pie.

Inquiries constitute 10 % of consumers» credit score, while the number of loans and types of credit factor into the remaining percentage of the credit rating.

So the way a creditor can judge your utilization, as well as the rest of your credit factors, is to put it into a score — your credit score.

Some of the credit factors would be balanced with those industry fundamentals, as well as looking at local market conditions, real estate trends, and supply and demand balance.

Not exact matches

During the credit crunch, alternative lenders — cash advance companies, accounts receivable funders, factors, and micro lenders — took advantage of the slowdown in bank loan volume.

You probably don't want to go out of your way to take on loans you don't need, so don't worry: this factor only accounts for 10 % of your credit score, and you won't be penalized much for not borrowing too much all at once.

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.

During Pollard's early days of international expansion, decisions were influenced by factors such as the ubiquity of credit cards or the degree to which the local country had adopted ecommerce.

Credit scores take a few different major factors into account and weigh them according to how big of an impact they have on your ability to repay debt.

Another factor that weighs heavily on your credit score is your credit card utilization: The ratio of available credit to credit used makes a big difference.

Furthermore, they have lacked the technology to look at the whole health of a business and judge them solely based on credit score, a factor that shouldn't reflect if they can repay a loan or not.

Following are some of the factors lenders consider when evaluating an individual or business that is seeking credit:

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.

For that reason, almost every factor has a staff of «credit investigators,» often experienced bank lending officers wearing new hats.

In September 2015, Biz2Credit conducted a study that showed Latino small - business loan applications grew 18 percent, yet their owners lag behind in the necessary factors needed to secure financing, such as annual revenue, age of business and credit scores.

Business owners, then, should determine where they stand, and take control of the factors critical to the lenders, credit card companies and even other businesses they work with.

Of course, the returns look better when you factor in federal and provincial tax credits.

A number of factors have played a part in the company's success, but FCi Federal's CEO, Sharon Virts Mozer, credits her work force for a large part of it.

Now that we've got that down, we can look at the major factors that distinguish lines of credit from banks and alternative lenders.

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.

Typically, these businesses describe their loans as faster and more readily available to customers than bank loans, because they leverage technology to evaluate risk on a number of factors, as opposed to relying solely on credit scores.

One of the factors considered when calculating your credit scores is the length of time you've had credit established with each creditor.

Factors that will have an impact on credit quality of companies include domestic consumption trends, exports, commodity price risks, sensitivity to changes in interest rates, working capital risk, capital expenditure and sensitivity to foreign exchange volatility.

The outfit also reviews other factors — including whether a company has a minimum monthly credit volume of $ 5,000 — before agreeing to provide a lump sum.

Further, the decline in housing starts and permits after the expiration of the $ 8000 housing credit was probably an important factor in the slowdown in GDP earlier this year, and as I wrote last week, probably plays a role in ECRI's recession call.

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

«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.

If the request exceeds that figure, a loan officer or bank committee makes the decision, employing the credit score as one of several factors.

Though credit agencies have made recent changes to the way they factor medical debt into a credit score, more than half of all the debt that appears on credit reports in the United States stems from medical expenses.

Previous Bankrate surveys have shown similar results, explaining that several factors including the availability of debit cards and concerns about possible debt play into millennials» credit card avoidance.

He also corrects the common misconception that a card closing means you lose the age of that card when it comes to your credit history (another factor in your score).

Both offering mobile banking and effectively communicating the availability of that product to customers will be a defining factor in which credit unions and banks succeed and which ones fail.

It is understandable «Types of current credit» garnered the highest percentage of incorrect responses because this factor accounts for a mere 10 percent of credit score points.

Also crucial to this change is technological advancement, which Fink credits for the rise of factor investing, and is now prevalent enough to warrant its own conference.

Only 60 percent of respondents selected the correct answer of «Income,» meaning two - fifths of people might not know all the factors that can impact their credit score.

One of the factors considered when calculating your credit score is the length of time you've had the credit established with each creditor.

Results for the current quarter included positive revenue of $ 3.4 billion, or $ 1.12 per diluted share, compared with negative revenue of $ 731 million a year ago related to changes in Morgan Stanley's debt - related credit spreads and other credit factors (Debt Valuation Adjustment, DVA).2, 3

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.

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.

The cost of a private student loan will depend on your credit score and other factors.

At the end of the day, though, no matter the algorithm being used or where you're seeing your credit report, credit bureaus are using the same five factors to create that number.

During periods of adverse changes in general economic, industry or competitive conditions, such as we experienced in calendar years 2008 and 2009, some of our vendors may experience serious cash flow issues, reductions in available credit from banks, factors or other financial institutions, or increases in the cost of capital.

Businesses are allocated a specified maximum amount of capital available to them through a lender based off certain factors such as current cash flow and business credit rating.

There are a lot of factors — three major credit reporting bureaus, personal credit scores, business credit scores, and different algorithms for rating your creditworthiness.

Notice that while most of the factors are similar to those used to calculate your personal credit scores, others are unique to business credit scores.

* Several factors could lift housing prices: An increase in potential home buyers, fueled by the growing ranks of Millennials — those born between 1980 and the early 2000s — poised to form their own households, combined with a near - historic lack of single - family homes for sale and growing access to mortgage credit.

Beyond your credit score, the length of your credit history is also a factor.

While credit mix is a small factor (about 10 % of your credit score), it can give you a little boost if both types show up on your credit report.

So this first line of explanation stresses the factors that are common to all financial bubbles — in particular the combination of cheap credit and a general increase in the appetite for risk.