Sentences with phrase «significant impact on your credit»

Still: decreasing your percentage of available credit used can make a quick and significant impact on your credit score.

«While the constraints of the levy cap have challenged school district operations, most have managed without a significant impact on credit quality.

When your account is sent to collections it has a significant impact on your credit report and score.

As we have seen, your credit card balance can have a significant impact on your credit score.

Having different types of credit which are all managed responsibly has a significant impact on your credit score.

No other factor has as significant impact on your credit score.

Revolving credit like credit cards seems to have a more significant impact on credit scores than car loans, lines of credit, and so on.

Missed payments, however, can have a significant impact on your credit score for up to seven years.

If Denise can reduce her credit card debt to below 10 percent of her credit limits — in this case, below $ 60 — it could have a significant impact on her credit score.

There's proof that rent reporting has a significant impact on credit — which is why we're fighting to make it a legal right for tenants.

In fact, of all the factors that will have a significant impact on your credit score, this is the one that you're going to have the most control over.

For example, a late payment reported by one of your creditors can have a swift and significant impact on your credit score.

As you can read, whether you choose not to pay the debt or you declare bankruptcy, it will have a significant impact on your credit for many years.

This is helpful because a notice of federal tax lien can have a significant impact on your credit score.

A foreclosure can have a significant impact on your credit score.

Although there is no set amount of time required to attain a good credit score, having an aged credit account does make a significant impact on your credit score value.

A late payment on a credit bill or other debt such as a mortgage can have a significant impact on your credit score.

We thank Representatives Fincher, Sewell, Barr, and Sinema for working to correct the federal regulations that are having a significant impact on credit availability for the purchase of manufactured homes.

Not exact matches

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.

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»).

Some of the impact is being mitigated by the substitution of cash with credit cards or electronic wallet payments, or with informal credit, but it is clear that the shortage of cash is having a significant impact on near - term activity.»

Edmonton, June 2, 2016 — Canadian Western Bank (TSX: CWB)(CWB) today announced second quarter financial performance which included strong growth in pre-tax, pre-provision (PTPP) earnings and the significant negative impact of persistent low oil prices on the credit performance of oil and gas production loans.

CWB today announced second quarter financial performance which included strong growth in pre-tax, pre-provision (PTPP) earnings and the significant negative impact of persistent low oil prices on the credit performance of oil and gas production loans.

Similarly, disruptions to markets for credit default swaps, or even simple foreign currency swaps, had a significant impact on the operations of institutions that relied on these markets to hedge their exposures and manage funding.

Still, when you couple this absence of increased credit with the lack of evidence that QE worked the way the Fed thought it would, you would be forgiven for wondering whether QE had any significant impact on output and employment at all.

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.

In May last year, we were at significant risk of a downgrading in our international credit rating, with a catastrophic impact on public services, business and consumer confidence, a long period of stagflation, and a contraction in the economy.

The most significant are a five year extension of 2 percent «Section 18 - a» assessments on utility energy sales, with a $ 500 million annual impact on business and residential ratepayers, and a five year extension of the $ 420 million per year «film production» tax credit.

Both were larger than life, and both had a significant impact on Hollywood, even if they don't always get the credit due them.

Evidence points to the improvement - focused messaging having a stronger impact on both credit attainment and student attendance, though the size of the study limits our ability to call the difference in outcomes between positive and improvement messaging statistically significant.

Despite the stark numbers of the current projections, Downing stressed that he believed the credit recovery program was going to make a significant impact on graduation numbers.

Although impacts on credit reports are not categorized by the CFPB, they appear to be a significant source of complaints: 1,810 complaint narratives, or 35 percent of medical debt collection complaints contained in the database, contain the text «credit report.»

When reported to the credit bureaus, a charge off will have a significant negative impact on your credit scores.

One late payment could have a more significant impact on higher credit scores.

It's no secret that your credit score can have a significant impact on your life.

Your credit score has a significant impact on your ability to progress financially in your life.

Much of the information I stumbled accross (including a short article written by an esteemed member of this site) around the internet indicates that having a credit card utilization of 0 % is a significant negative impact on one's FICO score.

It will usually also have significant negative impacts on the credit score of the borrower, potentially increasing the rates on other lines of credit and restricting access to new ones.

One study found that 79 percent of all credit reports had mistakes; one in four contained errors serious enough to have a significant negative impact on scores.

The length of a consumer's credit history has a significant impact on their FICO score.

Gary Herman, president of ConsolidatedCredit.org, says that even a few points difference in the interest rate on credit card debt can have a significant impact on your budget.

The most recent software update for the credit bureau reporting system has added some features which could have a significant impact on reporting.

This means that if you've been working on improving your score lately, and have paid off your debts, it will have a more significant impact than it would for a traditional credit score.

that if you've been working on improving your score lately, and have paid off your debts, it will have a more significant impact than it would for a traditional credit score.

But your credit score also has a significant impact both on the interest rate you will pay on a loan, and the amount you will be able to borrow.

Missing a payment to a debt consolidation company can have a much more significant impact than a missed payment on a credit card bill or loan.

Some of the most important changes center on key deductions and credits that could have a significant impact on the younger generation of taxpayers.

Accounts reported as «settled» rather than «paid» may have a negative impact on your credit scores, possibly even a significant one.

So closing the Dividend card won't have any significant negative impact on my credit, especially given that I have a total of 18 revolving accounts.

As you shop around, don't be afraid to ask your banker specific questions about these, since they can all have a significant impact on the cost and suitability of your home equity line of credit: