Bad credit is caused by a bad credit history, large amount of debt, or
other issues on your credit report.
Not exact matches
Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure of DBRS to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all; changes in the financial markets, including changes in
credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of which could impact what
credit ratings, if any, are
issued with respect to the Notes; the extended settlement cycle for the scheduled closing
on April 17, 2018, which may exacerbate the foregoing risks; and
other risks, including those described in our Annual
Report on Form 10 - K for the year ended December 31, 2017 and in
other documents that we file with the Securities and Exchange Commission from time to time which are or will be available
on the Commission's website at www.sec.gov.
In addition to being a flexible financing and purchasing tool, there are
other benefits associated with business
credit cards, which include more sophisticated
reporting and expense tracking, the ability to
issue multiple cards to employees
on the same account, more flexible payment options, and often larger
credit limits compared to personal
credit cards.
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.
The
other credit report had almost the same
issue, only just 30 days - three months in a row, BUT also had what we call «rolling 60's» for the last several months
on their mortgage.
The National Consumer Assistance Plan builds
on other steps the
credit bureaus have made in recent years to improve consumer's ability to resolve
issues related to
credit reports.
(1) Before executing a contract or agreement with or receiving money or
other valuable consideration from a buyer, a
credit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
credit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed by the
credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that
issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file
on the buyer maintained by a consumer
reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling
reporting agency as provided by the Fair
Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling
Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge
on request made to the consumer
reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling
reporting agency within thirty days after the date of receipt of notice that
credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
credit has been denied and that the buyer's file is available for a minimal charge at any
other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer
reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling
reporting agency the completeness or accuracy of any item contained in a file
on the buyer maintained by the consumer
reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling
reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer
reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling
reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer
reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling
reporting agencies are prevented from
issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit
credit counseling ser
credit counseling services.
Remember that each bank will always be able to see any business
credit cards that they
issued themselves, just they won't see business cards
issued by
other banks
on your personal
report.
I have a
credit card with a $ 683 balance (min payment is $ 25, I've been trying to pay $ 50 each time, and I didn't get a new card when the last one expired so I don't use it), student loan which is $ 5,828 (which I made one payment
on a year ago), a medical payment of $ 309 that is
on my
credit report, as well as
other medical bills that are at least at $ 3,000 - $ 3,500 that I'd have to get a more comprehensive
report to find out what all is there, and I have more expenses that I need to pay that I don't have the money for like dental work, more health
issues, car repairs, and monthly bills.
Remember, FedLoan is a loan servicer, and so they WILL
report any delinquencies or
other issues on your account to the
credit bureaus (Equifax, Transunion, Experian).
Currently one of every five American consumers has an error
on his or her
credit report and 5 percent of us endure errors so serious that we likely are being overcharged for
credit card debts, auto loans, insurance policies and
other financial obligations, according to a comprehensive study
issued Monday by federal regulators.
Our firm offers free case reviews at no cost to you to help protect your consumer rights anytime you: • Receive contact from a creditor or debt collector to collect a debt; • Receive unwanted computerized robocalls or texts to your cell phone (even after you've told them to stop); • Notice inaccurate information
on your
credit report (even after you disputed with the
credit bureaus); • Obtain a loan, lease, or purchase an item
on credit; • Enter into an autopay arrangement with a creditor (i.e., gym membership, car loan, etc.); • Purchase a lemon vehicle or
other consumer product; • Need help settling debts for less than the full balance; or, • Have any
other consumer
issue you would like us to look into at no cost to you.
It will all depend
on any
other negative
issues on your
credit report.
These can come from mortgage lenders, banks
issuing credit cards, or
other parties, and they remain
on your
credit report.
I deal personally with lending and
credit issues, which has included
reports on banks» analysis and approval procedures, trade finance and
other forms of specialised lending.
It can now, e.g., assist you in
reporting harassment in the workplace, or to make a complaint about a landlord; or it can help you ask for more parental leave, dispute nuisance calls, fight a fraudulent purchase
on your
credit card... The new DoNotPay covers consumer and workplace rights, and a host of
other issues.
There are also many
other issues that will need to be discussed, including the performance measurement approach,
reporting approach, the
credit approach, and termination (for example, whether the termination triggers termination of the framework agreement or whether the termination operates
on a country - by - country basis).
Processed accounts payable, maintained up - to - date vendor statements to ensure timeliness and completeness, communicated with vendors to resolve questions and concerns
on invoices,
issued of checks to vendors, ran aging as required to identify current items due for payment Processed accounts receivable, sent information of customer aging summary to stores and collected the payments, maintained accounts receivable Calculated monthly sales, prepared all of federal and provincial sales tax
report, and remitted the sales tax to government Prepared financial statement for the monthly end and year - end, processed closing account at the end of period Employment History (continued) Reconciled bank accounts,
credit card accounts and
other accounts required to reconciled Processed semi-monthly payroll, vacation pay, courted ordered deductions and
other benefits, prepared payroll tax
report and remitted payroll tax to government Made works compensation
report and bill payment Filed sales invoices, purchase bills and all of documents; trained new employees; Communicated with vendors processing RMA (Return material authorization); provided some customer services as well as some office duties.
Professional Experience Tropical Shipping (Riviera Beach, FL) 2004 — 2011
Credit & Collections Specialist (2005 — 2011) • Oversee customer credit and collections ensuring timely payments and overall profitable operations • Contact customers for payment on delinquent / aging accounts and assist with any internal or external billing issues • Analyze credit applications and confirm creditworthiness of clients • Author daily reports concerning client accounts, credit status, deposits, and other pertinent data • Work with premier customers concerning contract rates, shipping issues, and
Credit & Collections Specialist (2005 — 2011) • Oversee customer
credit and collections ensuring timely payments and overall profitable operations • Contact customers for payment on delinquent / aging accounts and assist with any internal or external billing issues • Analyze credit applications and confirm creditworthiness of clients • Author daily reports concerning client accounts, credit status, deposits, and other pertinent data • Work with premier customers concerning contract rates, shipping issues, and
credit and collections ensuring timely payments and overall profitable operations • Contact customers for payment
on delinquent / aging accounts and assist with any internal or external billing
issues • Analyze
credit applications and confirm creditworthiness of clients • Author daily reports concerning client accounts, credit status, deposits, and other pertinent data • Work with premier customers concerning contract rates, shipping issues, and
credit applications and confirm creditworthiness of clients • Author daily
reports concerning client accounts,
credit status, deposits, and other pertinent data • Work with premier customers concerning contract rates, shipping issues, and
credit status, deposits, and
other pertinent data • Work with premier customers concerning contract rates, shipping
issues, and claims
Billing Specialist / Analyst / Import (1995 — 1999) • Oversaw billing and invoicing, preparing over 500 invoices a month, as well as facilitated imports, shipment clearance, and related customer service functions such as order entry • Address and resolve both customer and sales force inquiries in a timely and accurate manner • Worked closely with the account and sales professionals to ensure customer satisfaction while working
on EDI Transactions such as 850 / 856 / UCC128 / 810 and 997 in close contact with the various related departments • Held responsibility for billing analysis by conducting research utilizing 3rd - party
reporting systems to resolve billing
issues • Monitored the status of accounts receivable and collections
on daily basis, collaborating with appropriate departments to research outstanding balances and resolve customer
issues as needed • Processed vendor invoices and related travel and expense
reports while processing adjustments,
credit memos, and invoices • Assisted with balance sheet and travel / expense
reports reconciliations with involvement in journal entries and G / L account analysis along with revenue accruals and month - end general ledger closing • Planned and managed sales through various distributor channels and
other relevant sales outlets • Monitored, recorded, analyzed and
reported on activities, trends, results and recommendations relating to import activities