Sentences with phrase «time payments to a creditor»

It's treated just like on - time payments to a creditor!

Making on - time payments to creditors and using no more than 30 percent of available credit limits are powerful steps toward improving credit scores in the short term.

Making on - time payments to creditors is the best thing you can do to build a good business credit score.

Not exact matches

Often, business owners can optimize cash flow by negotiating longer payment cycles with creditors and encouraging debtors to pay in shorter time periods.

For this reason, wherever possible it's advisable to work with creditors who will report on - time payments to these rating firms.

Making on - time, in full payments to vendors and creditors is key to maintaining a good to excellent credit score.

By making on - time minimum payments to all creditors and maintaining account balances below credit limits, a secured credit card combined with responsible financial behavior can help you establish or rebuild your credit history.

But that was a deliberate political policy by Germany who was facing huge reparations payments — especially to France the main creditor at the time.

Just as creditors want to see that you can make on - time payments, and that you can keep from utilizing too much of your available credit, they also want to observe your ability to handle different types of credit accounts.

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.

If you are struggling to make payments on time or at all, contact your creditors of see a credit counselor

You may rebuild your credit by making payments to all your creditors on time and keeping account balances low relative to the credit limit.

At that time, you stop making payments to your creditors.

Most require a good credit score and on - time payments to current creditors.

An example of this «workout plan» is the debtor agreeing to pay more than the monthly payment for a fixed period while the creditor agrees to lower the interest rate or even eliminate interest during that time, allowing more of the payment to go toward debt owed versus interest and penalties.

Some creditors may allow you to break up the payments over several months for larger balances but you must stay on task and make those payments on time until the debt is paid in full.

You can force secured creditors to take payments over time in the bankruptcy process and bankruptcy can eliminate your obligation to pay any additional money if your property is taken.

If you've been a diligent customer or account holder for some time, have good credit, have made timely payments and have built a good relationship with your lender or creditor, you may want to negotiate better terms for your loans.

Whereas consumer proposal presents no such danger, angst, leaving you free to explore creditor tolerance while in control throughout the period of the consumer proposal provided payment is made in amount and time agreed.

If you know that you will not be able to make a payment on time because you've had a financial setback, talk to the creditor.

Credit Bureaus are NOT real time so if you make a payment or payoff an account as in Jack's case it might be days or weeks before the creditor reports it to the credit bureau and thus any FICO credit score change taken into account.

If a potential client is not ready for credit repair as a result of a lack of funding, the inability to stay current on future creditor payments, or the need to declare bankruptcy, we will be mindful of your time and money.

What it basically says is that if you have good history with a bank / creditor then you can ask them for a one - time late payment forgiveness since you have been such a good client prior to the one little mishap.

When you are mandated to repay your debts to several different creditors at one time it can become difficult to keep up with the payments that you are making to these entities.

The time begins from the day you fail to abide by the agreement or contract with the creditor, which typically means when you fail to make a monthly payment as required.

Before attempting to make a payment or negotiate with the creditor to pay off the balance due, the consumer should look into their state's statute time period.

If, based on your overall financial situation, you can pay off your debt — but you just need a temporary break — your creditor may choose to lower your minimum payments and / or your interest rate for a certain amount of time.

In most cases, if you have equity in your house, a consumer proposal is a better option, since you can make a plan with your creditors to make payments over a period of time as long as 60 months so that you can keep your house.

During this time, the creditor will try to contact the debtor by phone, email or letter to get their payment and any late fees.

Even if it is a valid debt or a valid late payment on a debt, a lot of time creditors, if you've had an account history with them for a long period of time are willing to provide a one - time courtesy to the customer and remove a late like that.»

Some creditors might not provide you with financing unless you agree to the installation of an electronic device that prevents your car from starting if you do not make your payments on time.

It's up to the company or landlord when they report the payments though, and some creditors allow more time than others.

Following are the things that can effect changes on your scores: • Consistent and constant late payments • Increased or reduced credit limits • Higher credit card balances • Higher HELOC (Home Equity Line of Credit) balance • Closing revolving accounts • Recent credit inquiries made In the same way, any new practice you start in managing your credit takes effect and influence your credit scores within 30 to 60 days; due to the lag time between the action you take against the period it takes the creditor to report the action to the agencies who handle credit reports.

However, before you send any money to the debt consolidation company you have to know the exact amount they will charge you to do this service and how to tell if your payments are received by creditors on time.

There are times when a debt negotiation service will urge you to file for bankruptcy, but most of the time they will negotiate with your creditors to reduce your last payment.

Credit scores are based on information collected and reported each month by your creditors about the balances you owe and the timing of your payments to the three major credit bureaus Equifax, Experian and Transunion.

If you can not continue making payments and your creditors» calls are stressing you out, perhaps it's time to file for bankruptcy.

If you have any problems paying back your bills on time, call your creditor to arrange a payment plan.

But, there is no exact time frame for settling a customer's debts because results vary depending on the amount of debt, the monthly payment you make and your creditors» willingness to settle on your accounts.

If you hit that 30 - day mark and it's a one - time issue, call the creditor and ask for the late payment to be removed from your file.

Since creditors have access to both credit reports, you could have a hard time making the creditor believe the cosigner can't afford to pay the debt if he or she has kept up with all their other payments.

If you normally pay on time and have a good reason why you were late, the creditor may be willing to delete the late payment notations on a one time basis.

What you need to do to build good credit Simply getting a credit card will not help you build, re-build or re-establish your credit history unless you make on - time minimum payments with all of your creditors.

Some of the advantages of choosing a consumer proposal in Milton include being able to avoid bankruptcy, reduce your monthly payments, get protection from your creditors, and settle any unsecured debts, most times for less than you owe on them.

All you have to worry about is sending your monthly payment to our agency on time until your debts have been paid in full, or until you decide that you want to resume direct payments to your creditors.

If you don't pay a bill on time creditors report the late payment to a credit bureau.

20k isnt alot to consider BK immediately but if his creditors can get him on a repayment plan averaging 1.5 % on the 20k which would give him a combine payments of $ 300 than that would be managable if his budget warrants it at this time.

The purpose of debt consolidation is twofold: first, debt consolidation gives you the convenience of being able to pay one creditor one payment per month instead of having to make payments on dozens of loans; second, debt consolidation saves you money by cutting the time it takes to pay off your debts.

After making a handful of payments, creditors will start reporting any past - due accounts as on - time again to the credit bureaus — even if you haven't paid back any past - due amounts.

If you have set up all of your creditor payments on pre-authorized payment or post-dated cheques it will be quite expensive and time consuming to put stop payments on all of the payments.