Sentences with phrase «reported in your credit file»

Not exact matches

In terms of your credit report and credit score, filing for bankruptcy is one of the absolute worst things you can do.

The FREE Act also makes fraud alerts longer and prevents the credit - reporting agencies from selling the data in your files while they are in effect.

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 provisionIn 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 provisionin 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 provisionin 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 provisionin 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 provisionin 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 provisionin 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 provisionin a timely manner, could trigger a default of other obligations under cross-default provisions.

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.

Important factors that could cause actual results to differ from OnDeck's forward - looking statements are the risks that OnDeck may not be able to manage its anticipated or actual growth effectively, that its credit models do not adequately identify potential risks, and other risks, including those under the heading «Risk Factors» in OnDeck's Annual Report on Form 10 - K for the year ended December 31, 2016, its Quarterly Reports for the quarters ended June 30 and September 30, 2017 and in other documents that OnDeck files with the Securities and Exchange Commission, or SEC, from time to time which are available on the SEC website at www.sec.gov.

Major credit card networks require a police report to be filed in the instance of theft.

Credit Karma users with a credit file too «thin» to generate a credit score are able to review what information is in their credit reports, learn about why they don't currently have a credit score and how to build a credit hiCredit Karma users with a credit file too «thin» to generate a credit score are able to review what information is in their credit reports, learn about why they don't currently have a credit score and how to build a credit hicredit file too «thin» to generate a credit score are able to review what information is in their credit reports, learn about why they don't currently have a credit score and how to build a credit hicredit score are able to review what information is in their credit reports, learn about why they don't currently have a credit score and how to build a credit hicredit reports, learn about why they don't currently have a credit score and how to build a credit hicredit score and how to build a credit hicredit history.

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 our Annual Report on 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.

If you don't have much in the way of credit references on your credit reports, you'll have what's called a «thin file» and it will be harder to earn a high score.

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.

In fact, Credit Karma said that out of the quarter million individuals that have already filed their taxes through the company, less than 100 individuals reported a single cryptocurrency transaction to United States tax authorities.

For example, if you earned $ 30,000 of income from working in the United States and you filed a U.S. tax return and paid $ 5000 in U.S. taxes, you would still report the $ 30,000 of U.S. income on your Canadian tax return but because Canada and the U.S. have a tax treaty you would be credited with the $ 5000 you paid in the U.S.

The company cautions 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 company's most recent Annual Report on Form 10 - K 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 press release.

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.

He filed a lawsuit in December 2006 against the credit reporting agencies and several credit card companies, which resulted in a recent settlement with one agency that included concessions making it easier for patients to fight identity theft while they are hospitalized.

FICO ® Scores are based on the credit information in a credit file with a particular consumer reporting agency (CRA) at the time the score is calculated.

If you contest the completeness or accuracy of information in your report, you should file a dispute with the credit bureau and with the company that furnished the information to the bureau.

Your scores may be different at each of the three main credit reporting agencies as the FICO score only considers the data in your credit file from that agency.

You have the right to correct inaccurate information in your file, but no one — regardless of their claims — can remove accurate negative information from your credit report.

The ability to file credit report disputes is provided to help you ensure your credit report isn't full of false data that can be used against you in lending decisions.

• Chapter 7 Bankruptcy — Also known as a liquidation bankruptcy, a Chapter 7 bankruptcy will discharge most debts in a few months after filing, but the record of the bankruptcy itself usually remains active on a credit report for 10 years.

Their ability to alter the information that is shown in your credit report file is no different than anyone else!

If you find an inaccuracies any of your three credit files, you will want to file a dispute either On - line or in writing to the appropriate credit reporting agency.

FICO reached a similar conclusion in a 2017 report, citing that consumers with tax liens are «very likely to have additional derogatory information on their credit file and therefore tend to score relatively low, even after the public record data in question has been removed.»

If the Lender denies your request for credit, and that action is based in whole or in part on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis.

It is impossible for a third party to make changes in your credit report file if the facts have been correctly reported.

However, if you decide to proceed with a lender and finalize your application after pre-approval, this lender will definitely make a hard pull to your credit report, which will be reflected both in your file and your credit score.

If, after reading this guide, you discover any errors in your credit report, immediately file a dispute with the corresponding credit bureau below:

Based strictly on your credit information on file at the bureaus, your score will always be as accurate as the information in your credit report.

Regarding Credit Bureaus: If reinvestigation of your report by the credit bureau does not resolve the dispute to your satisfaction, you may enter a statement of one hundred words or less in your file, explaining why you think the record is inaccCredit Bureaus: If reinvestigation of your report by the credit bureau does not resolve the dispute to your satisfaction, you may enter a statement of one hundred words or less in your file, explaining why you think the record is inacccredit bureau does not resolve the dispute to your satisfaction, you may enter a statement of one hundred words or less in your file, explaining why you think the record is inaccurate.

Major credit card networks require a police report to be filed in the instance of theft.

Regarding Credit Bureaus: (1) the credit bureau must provide a complete and accurate statement of the consumer's right to review any file, as reported in the Fair Credit Reporting Act (15 U.S.C.A. § 1679 etCredit Bureaus: (1) the credit bureau must provide a complete and accurate statement of the consumer's right to review any file, as reported in the Fair Credit Reporting Act (15 U.S.C.A. § 1679 etcredit bureau must provide a complete and accurate statement of the consumer's right to review any file, as reported in the Fair Credit Reporting Act (15 U.S.C.A. § 1679 etCredit Reporting Act (15 U.S.C.A. § 1679 et seq);

If that's the case, ask the credit bureau to include your statement of the dispute in your file and in future reports.

The Fair Credit Reporting Act governs how information in your credit file is reported and what your rightCredit Reporting Act governs how information in your credit file is reported and what your rightcredit file is reported and what your rights are.

If an item is deleted or changed, the consumer credit reporting agency is not allowed to put the disputed information back in your file unless the information provider verifies that it is complete and accurate.

In addition, if someone should already have an established file, a brand new credit report with nothing on it is suspicious.

The information about your bankruptcy in Kitchener will remain on your credit report for approximately seven years from the date you file bankruptcy.

If you're married, separated, divorced, or widowed, contact your local credit reporting companies to make sure all relevant bill payment information is in a file under your own name.

You also can ask the consumer reporting agency to provide your statement to anyone who received a copy of your credit report file in the recent past.

IF IT HAPPENS «Credit Repair Today, works for you» - Contact creditors, banks, credit bureaus - File a Police Report and keep a copy in your personal records - File a complaint with the Federal Trade Commission, which can be reached at www.consumer.gov/idthft or [phone] - Keep a record of all communication you make with these agencies, including each person you speak with and everything you sendCredit Repair Today, works for you» - Contact creditors, banks, credit bureaus - File a Police Report and keep a copy in your personal records - File a complaint with the Federal Trade Commission, which can be reached at www.consumer.gov/idthft or [phone] - Keep a record of all communication you make with these agencies, including each person you speak with and everything you sendcredit bureaus - File a Police Report and keep a copy in your personal records - File a complaint with the Federal Trade Commission, which can be reached at www.consumer.gov/idthft or [phone] - Keep a record of all communication you make with these agencies, including each person you speak with and everything you send them.

A Security Freeze will put your credit file «on ice» by preventing the information in your credit file from being reported to third parties, such as credit grantors and other companies.

If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer credit reporting agencies so they can correct the information in your file.

In many cases, repairing your business credit can be as simple as identifying negative items on your business credit report which were incorrectly filed, or are altogether false.

«The Fair Credit Reporting Act, 15 U.S.C. § 1681 («FCRA») is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting Reporting Act, 15 U.S.C. § 1681 («FCRA») is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting reporting agencies.

You do not have to purchase your Credit Report to dispute inaccurate or incomplete information in your credit file maintained by the three main credit buCredit Report to dispute inaccurate or incomplete information in your credit file maintained by the three main credit bucredit file maintained by the three main credit bucredit bureaus.

It may be an issue where if you are a junior and your father is a senior maybe your credit files are being mixed, or if you had credit at one address for a short time and then didn't report it with your Social Security number it may not be showing up on your credit report but it may there in the credit bureau database anyway.

Edit after some comments from Bananach and LorenPechtel: I checked my credit report for a credit card that I own that I do not use (I don't carry it around, it's locked in a file cabinet as my emergency card) and has been used maybe 3x in the last five years (as check overdraft protection) and always instantly paid off before utilization would be reported.