If you were denied because
of information in your credit report, the issuer will send an adverse action notice that includes which credit reporting agency was used and how to contact the agency.
FICO ® Scores take into consideration five main categories
of information in a credit report: payment history, amounts owed, length of credit history, new credit, and credit mix.
Your credit score is the numerical summary
of the information in your credit reports, which lenders use to predict the likelihood that you will repay your loans.
Essentially, a credit score is a statistical summary
of the information in a credit report at the moment it is reviewed.
You have the right to dispute the accuracy or completeness
of any information in your credit report.
There are different versions of the FICO score, which emphasize different aspects
of the information in your credit report.
This is the most valuable category
of information in your credit report, accounting for 35 % of your credit score.
All of the information in your credit report falls into one of these categories and is assigned a numeric value, weighted according to how important the credit scoring model considers the item.
All of the information in your credit report is assigned a value.
Contest the accuracy or completeness
of the information in your credit report, both with the CRA and with the company that provided that information to the CRA.
A free copy of your credit report if you've been turned down for credit because
of information in that credit report.
You've been denied credit because
of information in your credit report and you request a copy within 60 days of being denied credit;
Sometimes you can be denied credit or insurance — or offered less favorable terms — because
of information in your credit report.
Remember, FICO ® Scores are time - proven and tested numerical representations
of information in your credit reports.
Nevertheless, scoring models usually consider the following types
of information in your credit report to help compute your credit score:
You are entitled to a free file disclosure if: a person has taken adverse action against you because
of information in your credit report; you are the victim of identity theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; and / or you are unemployed but expect to apply for employment within 60 days.
I see very few cases where employment is involved, and you'd see more because what happens in a situation where credit is used; you're supposed to get a notice saying this was denied to you, credit was denied or employment was denied to you on the basis
of information in your credit report; and what happens is a lot of people go and pull their credit reports and then they find inaccuracies, and then they challenge those inaccuracies.
Credit scores — another product used by lenders which consists of a single number calculated on the basis
of information in a credit report — are not typically provided to employers.
We find that 1 in 10 participants in our survey who are unemployed have been informed that they would not be hired for a job because
of the information in their credit report.
Insurance companies must notify you if they take action because
of the information in your credit report.
First off, the Discover FICO Score provided to consumers is accurate — as long as
all of the information in the credit report is accurate.
A credit score is a 3 digit number created on the basis
of information in your credit report.
Your FICO ® Scores are based on a complex, scientific algorithmic assesment
of the information in your credit report.
Not
all of the information in your credit report is useful to an insurance provider.
If a consumer is denied insurance because
of information in their credit report, the insurance company is obliged to notify them.
You have the right to dispute the accuracy or completeness
of any information in your credit report.
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.
They are able to provide this
information in the form
of a computerized
credit report, often with a weighted score.
In Washington State, a law signed in 2007 mandates that employers in the state may not access credit reports of employees or job applicants unless the information is significantly related to the employee or individual's job responsibilitie
In Washington State, a law signed
in 2007 mandates that employers in the state may not access credit reports of employees or job applicants unless the information is significantly related to the employee or individual's job responsibilitie
in 2007 mandates that employers
in the state may not access credit reports of employees or job applicants unless the information is significantly related to the employee or individual's job responsibilitie
in the state may not access
credit reports of employees or job applicants unless the
information is significantly related to the employee or individual's job responsibilities.
Another bright spot could be the slowing
in the decline
of U.S. generic drug prices, according to
report from
Credit Suisse, citing data from health
information company IQVIA.
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&r
reports on Form 10 - Q (the «
Reports&r
Reports»).
Although this strategy may seem extremely obvious, late payments are the most common piece
of negative
information that appears on peoples»
credit reports and are often responsible for significant drops
in credit scores.
Keep
in mind that several
of the
credit reporting agencies regularly update their records using
information provided by the Social Security Administration.
The panel is based on
credit report data collected by Equifax (one
of the three
credit bureaus
in the United States) and it contains
information on all outstanding loans — including mortgages, auto and student loans, and
credit card debt — at the individual consumer level.
Credit reporting agency Equifax
in September revealed that a data breach had left the
information of 145 million customers exposed.
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.
Unlike your personal
credit, it's not expressed
in a fairly universal score, but rather is typically expressed
in a series
of reports that address how timely a business repays vendors who offer payment terms, their payment history with any current small business loans, industry
information (including the overall creditworthiness
of other businesses within that industry), and comparisons between the business and others within the same revenue class, size, number
of employees, and the region where they do business.
Credit Karma pulls in a large amount of information from traditional credit reports — account overviews, payment history, credit inquiries and public records — and builds a level of personalization on top of this to guide users and highlight items that require their atte
Credit Karma pulls
in a large amount
of information from traditional
credit reports — account overviews, payment history, credit inquiries and public records — and builds a level of personalization on top of this to guide users and highlight items that require their atte
credit reports — account overviews, payment history,
credit inquiries and public records — and builds a level of personalization on top of this to guide users and highlight items that require their atte
credit inquiries and public records — and builds a level
of personalization on top
of this to guide users and highlight items that require their attention.
I hereby certify: (1) the
information provided is true and correct, (2) you are hereby authorized to investigate all bank,
credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter (s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer pur
credit, and trade references, and said references are hereby authorized to release any requested
information to you or your nominee, (3) such authorization shall extend to obtaining personal
credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter (s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer pur
credit profile
in considering this application and subsequently for the purposes
of update, renewal or extension
of such
credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter (s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer pur
credit or additional
credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter (s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer pur
credit and for reviewing or collecting the resulting account, (4) this
information may be transmitted by us to you and by you to underwriter (s) for the purpose
of granting me
credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer pur
credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years
of age, (6) I acknowledge my rights under the Fair
Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer pur
Credit Reporting Act, (7) I consent to receive direct mail, faxes, text - messages, and e-mails sent by National Funding and its affiliates for the purposes
of transmitting account updates, requests for
information and notices, and (8) this request is for business and not for consumer purposes.
myFICO is the leading expert
in providing actual
credit reports, scores and
information to enhance the customer experience
of your online business.
Fair
Credit Reporting Act: Ancestry is not a consumer reporting agency as defined in the Fair Credit Reporting Act («FCRA»), and the information that you can access on the Services has not been collected in whole or in part for the purpose of furnishing consumer reports, as defined in
Reporting Act: Ancestry is not a consumer
reporting agency as defined in the Fair Credit Reporting Act («FCRA»), and the information that you can access on the Services has not been collected in whole or in part for the purpose of furnishing consumer reports, as defined in
reporting agency as defined
in the Fair
Credit Reporting Act («FCRA»), and the information that you can access on the Services has not been collected in whole or in part for the purpose of furnishing consumer reports, as defined in
Reporting Act («FCRA»), and the
information that you can access on the Services has not been collected
in whole or
in part for the purpose
of furnishing consumer
reports, as defined
in the FCRA.
Since your insurance score is based on
information found
in your
credit files, it's also smart to get your annual
report from each
of the three major bureaus, for free.
Upon separation from employment with the Company or on demand by the Company during my employment, I will immediately deliver to the Company, and will not keep
in my possession, recreate, or deliver to anyone else, any and all Company property, including, but not limited to, Company Confidential
Information, Associated Third Party Confidential
Information, as well as all devices and equipment belonging to the Company (including computers, handheld electronic devices, telephone equipment, and other electronic devices), Company
credit cards, records, data, notes, notebooks,
reports, files, proposals, lists, correspondence, specifications, drawings, blueprints, sketches, materials, photographs, charts, any other documents and property, and reproductions
of any and all
of the aforementioned items that were developed by me pursuant to my employment with the Company, obtained by me
in connection with my employment with the Company, or otherwise belonging to the Company, its successors, or assigns, including, without limitation, those records maintained pursuant to Section 3.C.
We caution you that these statements are not guarantees
of future performance and are subject to numerous risks and uncertainties, including volatility
in the economy and the
credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability
of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained
in the
Information Statement filed as an exhibit to our Annual
Report on Form 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and
in subsequent SEC filings, any
of which could cause actual results to differ materially from those expressed
in or implied
in this presentation.
The FICO
credit score takes into account a combination
of all
of the
information found
in your
credit report.
Under the Fair
Credit Reporting Act, each of these parties is responsible for correcting inaccurate or incomplete information in your credit r
Credit Reporting Act, each
of these parties is responsible for correcting inaccurate or incomplete
information in your
credit r
credit report.
These factors — many
of which are beyond our control and the effects
of which can be difficult to predict — include:
credit, market, liquidity and funding, insurance, operational, regulatory compliance, strategic, reputation, legal and regulatory environment, competitive and systemic risks and other risks discussed
in the risk sections
of our 2017 Annual
Report; including global uncertainty and volatility, elevated Canadian housing prices and household indebtedness,
information technology and cyber risk, regulatory change, technological innovation and new entrants, global environmental policy and climate change, changes
in consumer behavior, the end
of quantitative easing, the business and economic conditions
in the geographic regions
in which we operate, the effects
of changes
in government fiscal, monetary and other policies, tax risk and transparency and environmental and social risk.
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.
A nominal charge not to exceed $ 5 may be imposed on you by the consumer
reporting agency for a copy
of the consumer
report containing all the
information in your file, if you have not been denied
credit within 30 days from the receipt
of your request.
I / we agree that if any material change (s) occur (s)
in my / our financial condition that I / we will immediately notify BSHFC
of said change (s) and unless Baby Safe Homes Franchise Corporation is so notified it may continue to rely upon the application and financial statement and the representations made herein as a true and accurate statement
of my / our financial condition.nI / we authorize Baby Safe Homes Franchise Corporation to make whatever
credit inquiries / background checks it deems necessary
in connection with this application and financial statement.nI / we authorize and instruct any person or consumer
reporting agency to furnish to BSHFC any
information that it may have to obtain
in response to such
credit inquiries.nIn consideration
of the ongoing association between Baby Safe Homes and the undersigned applicant (hereinafter u201cApplicantu201d), the parties hereto have entered into this Non-Disclosure and Non-Competition Agreement.nWHEREAS,
in the course
of its business operations, Baby Safe Homes provides its customers products and services which, by nature
of the business, include trade secrets, confidential and proprietary
information, and other matters deemed material or important enough to warrant protection; and WHEREAS, Applicant, by reason
of his / her interest
in Baby Safe Homes and
in the course
of his / her duties, has access to said secrets and confidential
information; and WHEREAS, Baby Safe Homes has trade secrets and other confidential and proprietary
information, including procedures, customer lists, and particular desires or needs
of such customers to which Applicant has access
in the course
of his / her duties as an Applicant.nNow, therefore,
in consideration
of the premises contained herein, the parties agree as follows Applicant shall not, either during the time
of his / her franchise evaluation with Baby Safe Homes or at any time thereafter either directly or indirectly, communicate, disclose, reveal, or otherwise use for his / her own benefit or the benefit
of any other person or entity, any trade secrets or other confidential or proprietary
information obtained by Employee by virtue
of his / her employment with Baby Safe Homes,
in any manner whatsoever, any such
information of any kind, nature, or description concerning any matters affecting or relating to the Baby Safe Homes business, or
in the business
of any
of its customers or prospective customers, except as required
in the course
of his / her employment by Baby Safe Homes or except as expressly authorized Baby Safe Homes Franchise Corporation,
in writing.nDuring any period
of evaluation with Baby Safe Homes, and for two (2) years thereafter, Applicant shall not, directly or indirectly, induce or influence, divert or take away, or attempt to divert or take away and, during the stated period following termination
of employment, call upon or solicit, or attempt to call upon or solicit, any
of the customers or patrons Baby Safe Homes including, but not limited to, those upon whom he / she was directly involved, or called upon, or catered to, or with whom became acquainted while engaged
in the franchise evaluation process
of a Baby Safe Homes franchise business.