Read the attached article and answer the following questions, check you calendar for due date:
1. Fully explain what steps are taken and how they determine a person's credit score?
2. Fully explain how and why insurance companies use your credit information?
3. Fully explain the Fair Credit Reporting Act and how it helps consumers?
4. Fully explain at least 3 things that you can do to strengthen your credit score? How does each help strengthen your score?
You should perform some additional research on your own to get a true background on the assignment. Remember to document your sources and state that it is your opinion if presenting that.
Need Credit or Insurance?
Your Credit Score Helps Determine What You’ll Pay
Information about you and your credit experi-
ences, like your bill-paying history, the number
and type of accounts you have, whether you pay
your bills by the date they’re due, collection actions,
outstanding debt, and the age of your accounts, is
collected from your credit report. Using a statisti-
cal program, creditors compare this information to
the loan repayment history
of consumers with similar
profiles. For example, a
credit scoring system awards
points for each factor that
helps predict who is most
likely to repay a debt. A
total number of points — a credit score — helps
predict how creditworthy you are — how likely it is
that you will repay a loan and make the payments
when they’re due.
Some insurance companies also use credit re-
port information, along with other factors, to help
predict your likelihood of filing an insurance claim
and the amount of the claim. They may consider
these factors when they decide whether to grant
you insurance and the amount of the premium they
charge. The credit scores insurance companies use
sometimes are called “insurance scores” or “credit-
based insurance scores.”
July 2007
Ever wonder how a lender decides whether to grant you credit? For years, creditors have
been using credit scoring systems to determine if
you’d be a good risk for credit cards, auto loans,
and mortgages. These days, many more types of
businesses — including insurance companies and
phone companies — are using credit scores to decide
whether to approve you for a
loan or service and on what
terms. Auto and homeown-
ers insurance companies
are among the businesses
that are using credit scores
to help decide if you’d be a
good risk for insurance. A higher credit score means
you are likely less of a risk, and in turn, means you
will be more likely to get credit or insurance — or
pay less for it.
The Federal Trade Commission (FTC), the
nation’s consumer protection agency, wants you to
know how credit scoring works.
What is credit scoring?
Credit scoring is a system creditors use to help deter-
mine whether to give you credit. It also may be used
to help decide the terms you are offered or the rate
you will pay for the loan.
The FTC wants you to know
how credit sc ...
101 Powerful Credit Tips is different. It's not the same-old typical system, but a step-by-step system that anyone can easily follow. You get true point-and-click simplicity with the world's most effective system for permanently removing negative items from your credit reports.
AI-based credit scoring - An Overview.pdfStephenAmell4
AI-based credit scoring is a contemporary method for evaluating a borrower’s creditworthiness. In contrast to the conventional approach that hinges on static variables and historical information, AI-based credit scoring harnesses the power of machine learning algorithms to scrutinize an extensive array of data from various sources.
Understanding Your Credit Report and ScoreSpringboard
Information about what’s on a credit report, how it gets there, how a credit score is calculated, and how to develop good financial habits. Understanding credit and knowing where you stand are vital to protecting yourself from predatory lending by unqualified or unscrupulous lenders offering costly or unstable loan products.
101 Powerful Credit Tips is different. It's not the same-old typical system, but a step-by-step system that anyone can easily follow. You get true point-and-click simplicity with the world's most effective system for permanently removing negative items from your credit reports.
AI-based credit scoring - An Overview.pdfStephenAmell4
AI-based credit scoring is a contemporary method for evaluating a borrower’s creditworthiness. In contrast to the conventional approach that hinges on static variables and historical information, AI-based credit scoring harnesses the power of machine learning algorithms to scrutinize an extensive array of data from various sources.
Understanding Your Credit Report and ScoreSpringboard
Information about what’s on a credit report, how it gets there, how a credit score is calculated, and how to develop good financial habits. Understanding credit and knowing where you stand are vital to protecting yourself from predatory lending by unqualified or unscrupulous lenders offering costly or unstable loan products.
A Very informative and detailed explanation of what your credit rights are, what your credit score means, and United Credit Education Services Company overview and procedures.
HyperSuggest is a keyword tool that delivers thousands of keywords and ideas from 9 different networks like Google, Amazon, eBay, Instagram, etc. in seconds.
VR-Tech Home Based Business Opportunity, VR-Tech Marketing Group Credit Restoration Services, VR-Tech Marketing Group Prepaid Account now Master Card, VR-Tech Marketing Group Auto Loans, VR-Tech Marketing Group My Care Plan and VR-Tech Marketing Group Ultra Score
Why Finance Companies Benefit From High Risk BorrowersAazim Sharp
Details on why and how finance companies benefit from high risk borrowers with credit problems and low credit scores. Learn which illegal tactics your creditors are using to purposely lower your credit scores and which easy steps you can take to prevent them from damaging your credit. Every item on your credit report must be reporting 100% accurately, must be verifiable, and reporting within the statue of limitations or it must be removed. This presentation gives you an enormous amount of helpful tips to improve your credit and increase your credit scores.
Learn the basics of credit in this easy-to-follow, introductory course that includes:
- What credit is and the different types of credit available
- How credit reports and credit scores work and the factors that go into building them
- Common options for building credit
And more!
Click through the slideshare to start your credit-education now.
Understanding your credit score and what factors impact that score are crucial tools for building a healthy credit rating.
Your credit score determines how much you will pay in interest rates to borrow money or even whether you will even get financing in the first place. Credit reports are also used to decide whether to provide you with insurance, housing, and utilities. Even many employment decisions are based on your creditworthiness.
A higher credit score makes you a lower risk to lenders, which, in turn, means you are more likely to get credit or insurance—or pay less for it. It also means you are more likely to get that dream job you worked so hard to achieve.
Keep reading and learn to understand, manage, and improve your credit rating.
United Credit Education Services reveals the 10 myths about credit and the credit reporting agencies. Credit Restoration is legal thats why we have the Credit Repair Organization Act.
According to Davenport (2014) social media and health care are c.docxmakdul
According to Davenport (2014) social media and health care are collaborating in meeting the needs of health care providers and patients. Social media is taking a step towards focusing on an analytic model to evaluate the value of social media in healthcare. For this assignment you research and investigate the areas of social media that might embrace and benefit from an analytic model combining acquired data and value-based analytics. You will then evaluate the resource addressing the following points:
· Five major stakeholder roles of social media—patients, physicians (and other outpatient care), hospitals, payers (employers, health plans), and health information technology (IT)
· Will social media improve a practice? How so? Provide a thorough rationale.
· Provide a conclusion with the main points .
format:
· Must be two to four
· Must use at least three scholarly sources
.
According to (Fatehi, Gordon & Florida, N.D.) theoretical orient.docxmakdul
According to (Fatehi, Gordon & Florida, N.D.) theoretical orientation represent styles of mind for understanding reality. This theoretical orientation can be organized as a continuum from theoretical constructs that are independent and concrete as with the Behavioral/ CBT theories, to theoretical constructs that are interdependent and abstract as with the Psychodynamic theories (Fatehi, Gordon & Florida, N.D.). Family systems and Humanistic/Existential are theoretical midpoints (Fatehi, Gordon & Florida, N.D.). Trait theory tends to focus on the premise that we are born with traits or characteristics that make us unique and explain our behaviors (Cervone& Pervin, 2019). For example, introversion, extroversion, shyness, agreeableness, kindness, etc. all these innate characteristics that we are born help to explain why we behave in a certain manner according to the situations we face, (Cervone& Pervin, 2019). Psychoanalytic perspective on the other hand focuses on childhood experiences and the unconscious mind which plays a role in our personality development, (Cervone& Pervin, 2019).
According to Freud, (Cervone& Pervin, 2019) our unconscious mind includes all our hidden desires and conflicts which form the root cause of our mental health issues or maladaptive behaviors. The main difference between these two perspectives is that trait theory helps to explain why we behave in a certain manner, whereas psychoanalytic theory only describes the personality and predicting behavior and not really explaining why we behave the way we do. There is no such evident similarity between the two perspectives, but kind of rely on underlying mechanisms to explain personality. Also, there is some degree of subjectivity present in both the perspectives. Trait theories involve subjectivity regarding interpretations of which can be considered as important traits that explain our behaviors, and psychoanalytic theory is subjective and vague in the concepts been used like the unconscious mind. My opinions accord with the visible contrasts between the two, one focused on internal features describing our behaviors in clearer words, whilst other concentrating on unconscious mind in anticipating behavior which is ambiguous and harder to grasp.
References
Cervone, D., & Pervin, L. A. (2019). Personality: Theory and research (14th ed.). Wiley.
Fatehi, M., Gordon, R. M., & Florida, O. A Meta-Theoretical Integration of Psychotherapy Orientations.
.
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A Very informative and detailed explanation of what your credit rights are, what your credit score means, and United Credit Education Services Company overview and procedures.
HyperSuggest is a keyword tool that delivers thousands of keywords and ideas from 9 different networks like Google, Amazon, eBay, Instagram, etc. in seconds.
VR-Tech Home Based Business Opportunity, VR-Tech Marketing Group Credit Restoration Services, VR-Tech Marketing Group Prepaid Account now Master Card, VR-Tech Marketing Group Auto Loans, VR-Tech Marketing Group My Care Plan and VR-Tech Marketing Group Ultra Score
Why Finance Companies Benefit From High Risk BorrowersAazim Sharp
Details on why and how finance companies benefit from high risk borrowers with credit problems and low credit scores. Learn which illegal tactics your creditors are using to purposely lower your credit scores and which easy steps you can take to prevent them from damaging your credit. Every item on your credit report must be reporting 100% accurately, must be verifiable, and reporting within the statue of limitations or it must be removed. This presentation gives you an enormous amount of helpful tips to improve your credit and increase your credit scores.
Learn the basics of credit in this easy-to-follow, introductory course that includes:
- What credit is and the different types of credit available
- How credit reports and credit scores work and the factors that go into building them
- Common options for building credit
And more!
Click through the slideshare to start your credit-education now.
Understanding your credit score and what factors impact that score are crucial tools for building a healthy credit rating.
Your credit score determines how much you will pay in interest rates to borrow money or even whether you will even get financing in the first place. Credit reports are also used to decide whether to provide you with insurance, housing, and utilities. Even many employment decisions are based on your creditworthiness.
A higher credit score makes you a lower risk to lenders, which, in turn, means you are more likely to get credit or insurance—or pay less for it. It also means you are more likely to get that dream job you worked so hard to achieve.
Keep reading and learn to understand, manage, and improve your credit rating.
United Credit Education Services reveals the 10 myths about credit and the credit reporting agencies. Credit Restoration is legal thats why we have the Credit Repair Organization Act.
Similar to Read the attached article and answer the following questions, chec.docx (20)
According to Davenport (2014) social media and health care are c.docxmakdul
According to Davenport (2014) social media and health care are collaborating in meeting the needs of health care providers and patients. Social media is taking a step towards focusing on an analytic model to evaluate the value of social media in healthcare. For this assignment you research and investigate the areas of social media that might embrace and benefit from an analytic model combining acquired data and value-based analytics. You will then evaluate the resource addressing the following points:
· Five major stakeholder roles of social media—patients, physicians (and other outpatient care), hospitals, payers (employers, health plans), and health information technology (IT)
· Will social media improve a practice? How so? Provide a thorough rationale.
· Provide a conclusion with the main points .
format:
· Must be two to four
· Must use at least three scholarly sources
.
According to (Fatehi, Gordon & Florida, N.D.) theoretical orient.docxmakdul
According to (Fatehi, Gordon & Florida, N.D.) theoretical orientation represent styles of mind for understanding reality. This theoretical orientation can be organized as a continuum from theoretical constructs that are independent and concrete as with the Behavioral/ CBT theories, to theoretical constructs that are interdependent and abstract as with the Psychodynamic theories (Fatehi, Gordon & Florida, N.D.). Family systems and Humanistic/Existential are theoretical midpoints (Fatehi, Gordon & Florida, N.D.). Trait theory tends to focus on the premise that we are born with traits or characteristics that make us unique and explain our behaviors (Cervone& Pervin, 2019). For example, introversion, extroversion, shyness, agreeableness, kindness, etc. all these innate characteristics that we are born help to explain why we behave in a certain manner according to the situations we face, (Cervone& Pervin, 2019). Psychoanalytic perspective on the other hand focuses on childhood experiences and the unconscious mind which plays a role in our personality development, (Cervone& Pervin, 2019).
According to Freud, (Cervone& Pervin, 2019) our unconscious mind includes all our hidden desires and conflicts which form the root cause of our mental health issues or maladaptive behaviors. The main difference between these two perspectives is that trait theory helps to explain why we behave in a certain manner, whereas psychoanalytic theory only describes the personality and predicting behavior and not really explaining why we behave the way we do. There is no such evident similarity between the two perspectives, but kind of rely on underlying mechanisms to explain personality. Also, there is some degree of subjectivity present in both the perspectives. Trait theories involve subjectivity regarding interpretations of which can be considered as important traits that explain our behaviors, and psychoanalytic theory is subjective and vague in the concepts been used like the unconscious mind. My opinions accord with the visible contrasts between the two, one focused on internal features describing our behaviors in clearer words, whilst other concentrating on unconscious mind in anticipating behavior which is ambiguous and harder to grasp.
References
Cervone, D., & Pervin, L. A. (2019). Personality: Theory and research (14th ed.). Wiley.
Fatehi, M., Gordon, R. M., & Florida, O. A Meta-Theoretical Integration of Psychotherapy Orientations.
.
According to Libertarianism, there is no right to any social service.docxmakdul
According to Libertarianism, there is no right to any social services besides those of a night-watchman state, protecting citizens from harming each other via courts, police, and military.
Consider this town
that decided to remove fire rescue as a basic social service. To benefit from it, one had to pay a yearly fee. Do you think libertarians would generally have to support such a policy in order to be consistent? Why or why not? Also, can you think of any other social services that might no longer exist in a libertarian society? (Btw, none has ever existed).
.
According to Kirk (2016), most of your time will be spent working wi.docxmakdul
According to Kirk (2016), most of your time will be spent working with your data. The four following group actions were mentioned by Kirk (2016):
Data acquisition: Gathering the raw material
Data examination: Identifying physical properties and meaning
Data transformation: Enhancing your data through modification and consolidation
Data exploration: Using exploratory analysis and research techniques to learn
Select 1 data action and elaborate on the actions performed in that action group.
.
According to cultural deviance theorists like Cohen, deviant sub.docxmakdul
According to cultural deviance theorists like Cohen, deviant subcultures have their own value system that often opposes those of society at large. These contradictory "values" have been embraced by generations within that culture—and as a way to act out against the majority value system from which they feel excluded. Write an essay of 750-1,000 words that addresses the following:
How has rap culture perpetuated subcultural values, and promoted violence and crime among young men?
Given its sharp deviation from conventional values and norms, how and why would theorists explain the persistence and popularity of this subculture? (See examples Tupac Shakur page 109-110 and 50 Cent page 135).
Be sure to cite three to five relevant scholarly sources in support of your content
.
According to Gray et al, (2017) critical appraisal is the proce.docxmakdul
According to Gray et al, (2017) “critical appraisal is the process of carefully and systematically assessing the outcome of all aspects of a study, judging the strengths, limitation, trustworthiness, meaning, and its applicability to practice”. The steps involved in critical appraisal include “identifying the study's elements or processes, determining the strengths and weaknesses, and evaluating the credibility and trustworthiness of the study” (Gray et al., 2017). The journal article chosen is
“change in staff perspectives on indwelling urinary catheter use after implementation of an intervention bundle in seven Swiss acute care hospitals: a result of a before/after survey study”
by Niederhauser, Zullig, Marschall, Schweiger, John, Kuster, and Schwappach. (2019).
Identifying the study's elements or processes
A significant issue addressed by the study is the nursing “staffs’ perspective towards indwelling urinary catheter (IUC) and evaluation of changes in their perspectives towards indwelling urinary catheter (IUC) use after implementation of a 1-year quality improvement project” (Niederhauser et al, 2019). the process of the research was conducted in “seven acute care hospitals in Switzerland” (Niederhauser et al, 2019). With a “sample size of 1579 staff members participated in the baseline survey and 1527 participated in the follow-up survey. The survey captures all nursing and medical staff members working at the participating hospitals at the time of survey distribution, using a multimodal intervention bundle, consisting of an evidence-based indication list, daily re-evaluation of ongoing catheter needs, and staff training were implemented over the course of 9 months” (Niederhauser et al, 2019).
Determining the strengths and weaknesses
A great strength of the study is a large sample size of over 1000 and the use of well-constructed and easy-to-read heading for better understanding. Also, the use of figures, graphs, and tables make the article less cumbersome to read. Another strength is the implementation of the ethical principles of research by enabling informed consent and voluntary participation as well as confidentiality and anonymity of information.
On the other hand, the study has several weaknesses such as the use of “the theory of planned behavior to model intentions to reduce catheter use, but it is not possible to know if changes observed in staff perception led to a true change in practice” (Niederhauser et al, 2019). Another weakness of the study is the repeated survey design which allows assessment of changes in staff perspectives after implementation of a quality improvement intervention but the sustainability of the effects over time could not be evaluated.
Evaluating the credibility and trustworthiness of the study
Although the study used a larger sample size of over 1000, the “use of a single-group design and no control group weakens its credibility and trustworthiness because there are no causal inferences abou.
According to article Insecure Policing Under Racial Capitalism by.docxmakdul
According to article "Insecure: Policing Under Racial Capitalism" by Robin D.G. Kelley and the article "Yes, We Mean Literally Abolish the Police" by Mariame Kaba, the police are no longer an attribute of safety and security. The facts that are given in the articles are similar within the meaning of the content. The police do not serve for the benefit of the whole community. Racial and class division according to social status became the basis of lawlessness and injustice on the part of the police. Kaaba in his article cites several stories confirming the racial hatred that led to the murder of African Americans. After that, people massively took to the streets of many cities in several countries, demanding an end to racial discrimination and the murder of African Americans. Kelley's article describes numerous manifestos where demands for police abolition have been raised, but all have been rejected. In the protests, people suggested that they themselves would take care of each other, which the police could not do. I understand that the police system is far from ideal and the permissiveness of police representatives should be limited. Ruth Wilson Gilmore says that "capitalism is never racial." I think that this phrase she wants to say that the stronger people take away from the weak people and use them for their own well-being. And since the roots of history go back to slavery, then African Americans are the weak link. In this regard, a huge number of prisons and police power appeared. The common and small class do not feel protected, on the contrary; they expect a threat from people who must protect them. The police take an oath to respect and protect human and civil rights and freedoms, regardless of skin color and social status. If this does not happen, then you need to change the system.
.
Abstract In this experiment, examining the equivalence poi.docxmakdul
Abstract:
In this experiment, examining the equivalence point in a titration with NaOH identified an
unknown diprotic acid. The molar mass of the unknown was found to be 100.78 g/mol with pKa
values of 2.6 and 6.6. The closest diprotic acid to this molar mass is malonic acid with a percent
error of 3.48%.
Introduction:
The purpose of the experiment was to determine the identity of an unknown diprotic acid. The
equivalence and half-equivalence points on the titration curve give important information, which
can then be used to calculate the molecular weight of the acid. The equivalence point is the
moment when there is an equal amount of acid and NaOH. Knowing the concentration and
volume of added NaOH at that moment, the amount of moles of NaOH can be determined. The
amount of moles of NaOH is then equivalent to the amount of acid present. Dividing the original
mass of the acid by the moles present gave the molar mass of the acid.
In this particular titration, there were two equivalence points as the acid is diprotic.
Consequently, the titration curve had two inflection points. The acid dissociated in a two-step
process with the net reaction being:
H2X + 2 NaOH Na2X + 2 H2O
This was important to take into consideration when calculating the molar mass of the diprotic
acid. If the first equivalence point was to be used, the ratio of acid to NaOH was 1:1. If the
second equivalence point was used in the calculations, the ratio became 1:2 as now a second
set of NaOH molecules reacted with the acid to dissociate the second hydrogen ion. The
titration curve also showed the pKa values of the acid. This happened at the half-equivalence
point where half of the acid was dissociated to its conjugate base (again, because of the diprotic
properties of the acid, this happens twice on the curve). The Henderson Hasselbalch equation
pH = pKa+log(A-/HA)
shows that at the half-equivalence point, the pKa value equaled the pH and was visually
represented by the flattest part of the graphs.
Discussion:
The titration graph showed that the data was consistent with the methodology and proved to be
an precise execution of the procedure and followed the expected shape. One possible source of
error was the actual mass of the acid solid. While transferring the dust from the weigh boat to
the solution, some remained in the weigh boat this could have altered the molar mass
calculations and shifted the final the final mass lighter than actual.
The Vernier pH method was definitely a much more concrete method of interpreting the results.
It was possible to see which addition of NaOH gave the greatest increase in pH ( greatest 1st
derivative of the titration graph). The relying solely on the indicator color would make it very
difficult to judge at which precise point the color shifted most, as the shift was a lot more gradual
compared to the precise numbers. This may have been a more reliable method if there was a
de.
ACC 403- ASSIGNMENT 2 RUBRIC!!!
Points: 280
Assignment 2: Audit Planning and Control
Criteria
UnacceptableBelow 60% F
Meets Minimum Expectations60-69% D
Fair70-79% C
Proficient80-89% B
Exemplary90-100% A
1. Outline the critical steps inherent in planning an audit and designing an effective audit program. Based upon the type of company selected, provide specific details of the actions that the company should undertake during planning and designing the audit program.
Weight: 15%
Did not submit or incompletely outlined the critical steps inherent in planning an audit and designing an effective audit program. Did not submit or incompletely provided specific details of the actions that the company should undertake during planning and designing the audit program, based upon the type of company selected.
Insufficiently outlined the critical steps inherent in planning an audit and designing an effective audit program. Insufficiently provided specific details of the actions that the company should undertake during planning and designing the audit program, based upon the type of company selected.
Partially outlined the critical steps inherent in planning an audit and designing an effective audit program. Partially provided specific details of the actions that the company should undertake during planning and designing the audit program, based upon the type of company selected.
Satisfactorily outlined the critical steps inherent in planning an audit and designing an effective audit program. Satisfactorily provided specific details of the actions that the company should undertake during planning and designing the audit program, based upon the type of company selected.
Thoroughly outlined the critical steps inherent in planning an audit and designing an effective audit program. Thoroughly provided specific details of the actions that the company should undertake during planning and designing the audit program, based upon the type of company selected.
2. Examine at least two (2) performance ratios that you would use in order to determine which analytical tests to perform. Identify the accounts that you would test, and select at least three (3) analytical procedures that you would use in your audit.
Weight: 15%
Did not submit or incompletely examined at least two (2) performance ratios that you would use in order to determine which analytical tests to perform. Did not submit or incompletely identified the accounts that you would test; did not submit or incompletely selected at least three (3) analytical procedures that you would use in your audit.
Insufficiently examined at least two (2) performance ratios that you would use in order to determine which analytical tests to perform. Insufficiently identified the accounts that you would test; insufficiently selected at least three (3) analytical procedures that you would use in your audit.
Partially examined at least two (2) performance ratios that you would use in order to determine which analytical tests .
ACC 601 Managerial Accounting Group Case 3 (160 points) .docxmakdul
ACC 601 Managerial Accounting
Group Case 3 (160 points)
Instructions:
1. As a group, complete the following activities in good form. Use excel or
word only. Provide all supporting calculations to show how you arrived at
your numbers
2. Add only the names of group members who participated in the completion
of this assignment.
3. Submit only one copy of your completed work via Moodle. Do not send it to
me by email.
4. Due: No later than the last day of Module 7. Please note that your professor
has the right to change the due date of this assignment.
Part A: Capital Budgeting Decisions
Chee Company has gathered the following data on a proposed investment project:
Investment required in equipment ............. $240,000
Annual cash inflows .................................. $50,000
Salvage value ............................................ $0
Life of the investment ............................... 8 years
Required rate of return .............................. 10%
Assets will be depreciated using straight
line depreciation method
Required:
Using the net present value and the internal rate of return methods, is this a good investment?
Part B: Master Budget
You have just been hired as a new management trainee by Earrings Unlimited, a distributor of
earrings to various retail outlets located in shopping malls across the country. In the past, the
company has done very little in the way of budgeting and at certain times of the year has
experienced a shortage of cash. Since you are well trained in budgeting, you have decided to
prepare a master budget for the upcoming second quarter. To this end, you have worked with
accounting and other areas to gather the information assembled below.
The company sells many styles of earrings, but all are sold for the same price—$10 per pair. Actual
sales of earrings for the last three months and budgeted sales for the next six months follow (in pairs
of earrings):
January (actual) 20,000 June (budget) 50,000
February (actual) 26,000 July (budget) 30,000
March (actual) 40,000 August (budget) 28,000
April (budget) 65,000 September (budget) 25,000
May (budget) 100,000
The concentration of sales before and during May is due to Mother’s Day. Sufficient inventory should
be on hand at the end of each month to supply 40% of the earrings sold in the following month.
Suppliers are paid $4 for a pair of earrings. One-half of a month’s purchases is paid for in the month
of purchase; the other half is paid for in the following month. All sales are on credit. Only 20% of a
month’s sales are collected in the month of sale. An additional 70% is collected in the following
month, and the remaining 10% is collected in the second month following sale. Bad debts have been
negligible.
Monthly operating expenses for the company are given below:
Variable:
Sales commissions 4 % of sales
.
Academic Integrity A Letter to My Students[1] Bill T.docxmakdul
Academic Integrity:
A Letter to My Students[1]
Bill Taylor
Professor of Political Science
Oakton Community College
Des Plaines, IL 60016
[email protected]
Here at the beginning of the semester I want to say something to you about academic integrity.[2]
I’m deeply convinced that integrity is an essential part of any true educational experience, integrity on
my part as a faculty member and integrity on your part as a student.
To take an easy example, would you want to be operated on by a doctor who cheated his way through
medical school? Or would you feel comfortable on a bridge designed by an engineer who cheated her
way through engineering school. Would you trust your tax return to an accountant who copied his
exam answers from his neighbor?
Those are easy examples, but what difference does it make if you as a student or I as a faculty member
violate the principles of academic integrity in a political science course, especially if it’s not in your
major?
For me, the answer is that integrity is important in this course precisely because integrity is important in
all areas of life. If we don’t have integrity in the small things, if we find it possible to justify plagiarism or
cheating or shoddy work in things that don’t seem important, how will we resist doing the same in areas
that really do matter, in areas where money might be at stake, or the possibility of advancement, or our
esteem in the eyes of others?
Personal integrity is not a quality we’re born to naturally. It’s a quality of character we need to nurture,
and this requires practice in both meanings of that word (as in practice the piano and practice a
profession). We can only be a person of integrity if we practice it every day.
What does that involve for each of us in this course? Let’s find out by going through each stage in the
course. As you’ll see, academic integrity basically requires the same things of you as a student as it
requires of me as a teacher.
I. Preparation for Class
What Academic Integrity Requires of Me in This Area
With regard to coming prepared for class, the principles of academic integrity require that I come having
done the things necessary to make the class a worthwhile educational experience for you. This requires
that I:
reread the text (even when I’ve written it myself),
clarify information I might not be clear about,
prepare the class with an eye toward what is current today (that is, not simply rely on past
notes), and
plan the session so that it will make it worth your while to be there.
What Academic Integrity Requires of You in This Area
With regard to coming prepared for class, the principles of academic integrity suggest that you have a
responsibility to yourself, to me, and to the other students to do the things necessary to put yourself in
a position to make fruitful contributions to class discussion. This will require you to:
read the text before.
Access the Center for Disease Control and Prevention’s (CDC’s) Nu.docxmakdul
Access the Center for Disease Control and Prevention’s (CDC’s)
“Nutrition, Physical Activity, and Obesity: Data, Trends and Maps”
database. Choose a state other than your home state and compare their health status and associated behaviors. What behaviors lead to the current obesity status?
Initial discussion post should be approximately 300 words. Any sources used should be cited in APA format.
.
According to DSM 5 This patient had very many symptoms that sugg.docxmakdul
According to DSM 5 This patient had very many symptoms that suggested Major Depressive Disorder.
Objective(s)
Analyze psychometric properties of assessment tools
Evaluate appropriate use of assessment tools in psychotherapy
Compare assessment tools used in psychotherapy
.
Acceptable concerts include professional orchestras, soloists, jazz,.docxmakdul
Acceptable concerts include professional orchestras, soloists, jazz, Broadway musicals and instrumental or vocal ensembles, and comparable college or community groups performing music relevant to the content of this class. (Optionally, either your concert report
or
your concert review - but not both unless advance permission is given - may be based on a concert of non-western music selected from events on the concert list.)
Acceptable concerts include the following:
• Symphony orchestras • Concert bands and wind ensembles • Chamber Music (string quartets, brass and woodwind quintets, etc.) • Solo recitals (piano, voice, etc.) • Choral concerts • Early music concerts • Non-western music • Some jazz concerts • Opera• Broadway Musicals• Flamenco• Ballet• Tango
Assignment Format
The following are required on the concert review assignment and, thus, may affect your grade.
• Must be typed• Must be double-spaced• Must be between
2 and 4 pages
in length
not including the cover sheet
.• Must use conventional size and formatting of text - e.g. 10-12 point serif or sans serif fonts with normal margins. • Must include the printed program from the concert and/or your ticket stubs. Photocopies are unacceptable. (Contact me at least 24 hours before due date if any materials are unavailable.)• All materials (text, program, ticket stub) must be
stapled
together securely. Folded corners, paper clips, etc. instead of staples will not be accepted.• Careful editing, proofreading, and spelling are expected, although minor errors will not affect your grade.
Papers that do not follow these format guidelines may be returned for resubmission, and late penalties will apply.
Concert Review Assignment Content
I. Cover Sheet:
Include the following on a cover sheet attached to the front of your review:
• Title or other description of the event/performers you heard, along with the date and location of the performance. For example:
New World Symphony Orchestra
1258 Lincoln Road
Saturday, June 5, 2013
Lincoln Road Theater, Miami Beach
• Your name, assignment submission date, course. For example:
Pat Romero
October 31, 2013
Humanities 1020 MWF 8:05 a.m.
II. Descriptions
The main body of the concert review should include brief discussions of
three of the
pieces
in the concert you attend. In most cases, a single paragraph for each piece should be sufficient, although you may wish to break descriptions of longer pieces into separate short paragraphs, one per movement.
Your description of each piece (song) should include:
• The title of the piece and the composer's name if possible, as listed in the concert program.• A brief description of your reaction to the piece. For example:
When the piece started I thought it was going to be slow and boring, but the faster section in the first movement made it more exciting. A really great flute solo full of fast and high notes in the third movement caught my attention. I'm not sure, but I thought that som.
ACA was passed in 2010, under the presidency of Barack Obama. Pr.docxmakdul
ACA was passed in 2010, under the presidency of Barack Obama. Prior to this new act, there were plenty of votes that did not agree with the notion of accessible insurance. Before 2010, The private sector had been given coverage in such a way that Milstead and Short (2019) called it sickness insurance; meaning companies will risk incurring medical expenses as long as it was balanced by healthy people. They were doing so by excluding people that had pre-existing conditions, becoming a very solvent business (Milstead & Short, 2019). After ACA was passed that was no longer the case. When President Trump came into term he did so by bringing his own healthcare agenda, which attempted to repeal ACA, but ultimately failed to come up with a replacement.
In 2016, the Republican's party platform was to repeal ACA, while continuing Medicare and Medicaid, but on the other hand, democrats put down that Obamacare is a step towards the goals of universal health care, and that this was just the beginning (Physicians for a National Health Program, n.d.). As for the cost analysis of repealing the Affordable Care Act, this would increase the number of uninsured people by 23 million, and it will cost about 350 billion through 2027, as well as creating costly coverage provisions to replace it (Committee for a Responsible Federal Budget, 2017).
(2 references required)
.
Access the FASB website. Once you login, click the FASB Accounting S.docxmakdul
Access the FASB website. Once you login, click the FASB Accounting Standards Codification link. Review the materials in the FASB Codification, especially the links on the left side column. Next, write a 1-page memo to a friend introducing and explaining this new accounting research resource that you have found. Provide at least one APA citation to the FASB Codification and reference that citation using the APA guidelines.
.
Academic Paper Overview This performance task was intended to asse.docxmakdul
Academic Paper Overview This performance task was intended to assess students’ ability to conduct scholarly and responsible research and articulate an evidence-based argument that clearly communicates the conclusion, solution, or answer to their stated research question. More specifically, this performance task was intended to assess students’ ability to: • Generate a focused research question that is situated within or connected to a larger scholarly context or community; • Explore relationships between and among multiple works representing multiple perspectives within the scholarly literature related to the topic of inquiry; • Articulate what approach, method, or process they have chosen to use to address their research question, why they have chosen that approach to answering their question, and how they employed it; • Develop and present their own argument, conclusion, or new understanding while acknowledging its limitations and discussing implications; • Support their conclusion through the compilation, use, and synthesis of relevant and significant evidence generated by their research; • Use organizational and design elements to effectively convey the paper’s message; • Consistently and accurately cite, attribute, and integrate the knowledge and work of others, while distinguishing between their voice and that of others; and • Generate a paper in which word choice and syntax enhance communication by adhering to established conventions of grammar, usage, and mechanics.
.
Academic Research Team Project PaperCOVID-19 Open Research Datas.docxmakdul
Academic Research Team Project Paper
COVID-19 Open Research Dataset Challenge (CORD-19)
An AI challenge with AI2, CZI, MSR, Georgetown, NIH & The White House
(1) FULL-LENGTH PROJECT
Dataset Description
In response to the COVID-19 pandemic, the White House and a coalition of leading research groups have prepared the COVID-19 Open Research Dataset (CORD-19). CORD-19 is a resource of over 44,000 scholarly articles, including over 29,000 with full text, about COVID-19, SARS-CoV-2, and related corona viruses. This freely available dataset is provided to the global research community to apply recent advances in natural language processing and other AI techniques to generate new insights in support of the ongoing fight against this infectious disease. There is a growing urgency for these approaches because of the rapid acceleration in new coronavirus literature, making it difficult for the medical research community to keep up.
Call to Action
We are issuing a call to action to the world's artificial intelligence experts to develop text and data mining tools that can help the medical community develop answers to high priority scientific questions. The CORD-19 dataset represents the most extensive machine-readable coronavirus literature collection available for data mining to date. This allows the worldwide AI research community the opportunity to apply text and data mining approaches to find answers to questions within, and connect insights across, this content in support of the ongoing COVID-19 response efforts worldwide. There is a growing urgency for these approaches because of the rapid increase in coronavirus literature, making it difficult for the medical community to keep up.
A list of our initial key questions can be found under the
Tasks
section of this dataset. These key scientific questions are drawn from the NASEM’s SCIED (National Academies of Sciences, Engineering, and Medicine’s Standing Committee on Emerging Infectious Diseases and 21st Century Health Threats)
research topics
and the World Health Organization’s
R&D Blueprint
for COVID-19.
Many of these questions are suitable for text mining, and we encourage researchers to develop text mining tools to provide insights on these questions.
In this project, you will follow your own interests to create a portfolio worthy single-frame viz or multi-frame data story that will be shared in your presentation. You will use all the skills taught in this course to complete this project step-by-step, with guidance from your instructors along the way. You will first create a project proposal to identify your goals for the project, including the question you wish to answer or explore with data. You will then find data that will provide the information you are seeking. You will then import that data into Tableau and prepare it for analysis. Next, you will create a dashboard that will allow you to explore the data in-depth and identify meaningful insights. You will then give structure .
AbstractVoice over Internet Protocol (VoIP) is an advanced t.docxmakdul
Abstract
Voice over Internet Protocol (VoIP) is an advanced telecommunication technology which transfers the voice/video over
high speed network that provides advantages of flexibility, reliability and cost efficient advanced telecommunication
features. Still the issues related to security are averting many organizations to accept VoIP cloud environment due to
security threats, holes or vulnerabilities. So, the novel secured framework is absolutely necessary to prevent all kind of
VoIP security issues. This paper points out the existing VoIP cloud architecture and various security attacks and issues
in the existing framework. It also presents the defense mechanisms to prevent the attacks and proposes a new security
framework called Intrusion Prevention System (IPS) using video watermarking and extraction technique and Liveness
Voice Detection (LVD) technique with biometric features such as face and voice. IPSs updated with new LVD features
protect the VoIP services not only from attacks but also from misuses.
A Comprehensive Survey of Security Issues and
Defense Framework for VoIP Cloud
Ashutosh Satapathy* and L. M. Jenila Livingston
School of Computing Science and Engineering, VIT University, Chennai - 600127, Tamil Nadu, India;
[email protected], [email protected]
Keywords: Defense Mechanisms, Liveness Voice Detection, VoIP Cloud, Voice over Internet Protocol, VoIP Security Issues
1. Introduction
The rapid progress of VoIP over traditional services is
led to a situation that is common to many innovations
and new technologies such as VoIP cloud and peer to
peer services like Skype, Google Hangout etc. VoIP is the
technology that supports sending voice (and video) over
an Internet protocol-based network1,2. This is completely
different than the public circuit-switched telephone net-
work. Circuit switching network allocates resources to
each individual call and path is permanent throughout
the call from start to end. Traditional telephony services
are provided by the protocols/components such as SS7, T
carriers, Plain Old Telephone Service (POTS), the Public
Switch Telephone Network (PSTN), dial up, local loops
and anything under International Telecommunication
Union. IP networks are based on packet switching and
each packet follows different path, has its own header and
is forwarded separately by routers. VoIP network can be
constructed in various ways by using both proprietary
protocols and protocols based on open standards.
1.1 VoIP Layer Architecture
VoIP communication system typically consist of a front
end platform (soft-phone, PBX, gateway, call manager),
back end platform (server, CPU, storage, memory, net-
work) and intermediate platforms such as VoIP protocols,
database, authentication server, web server, operating sys-
tems etc. It is mainly divided into five layers as shown in
Figure1.
1.2 VoIP Cloud Architecture
VoIP cloud is the framework for delivering telephony
services in which resourc.
Abstract
Structure of Abstract
Background on the problem
purpose/objective of the study
Method used
Interpretation of results
Conclusion&Recommendation for future research
.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
How to Create Map Views in the Odoo 17 ERPCeline George
The map views are useful for providing a geographical representation of data. They allow users to visualize and analyze the data in a more intuitive manner.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
Read the attached article and answer the following questions, chec.docx
1. Read the attached article and answer the following
questions, check you calendar for due date:
1. Fully explain what steps are taken and how they determine
a person's credit score?
2. Fully explain how and why insurance companies use your
credit information?
3. Fully explain the Fair Credit Reporting Act and how it helps
consumers?
4. Fully explain at least 3 things that you can do to strengthen
your credit score? How does each help strengthen your score?
You should perform some additional research on your own to
get a true background on the assignment. Remember to
document your sources and state that it is your opinion if
presenting that.
Need Credit or Insurance?
Your Credit Score Helps Determine What You’ll Pay
Information about you and your credit experi-
ences, like your bill-paying history, the number
and type of accounts you have, whether you pay
your bills by the date they’re due, collection actions,
outstanding debt, and the age of your accounts, is
collected from your credit report. Using a statisti-
cal program, creditors compare this information to
the loan repayment history
of consumers with similar
profiles. For example, a
2. credit scoring system awards
points for each factor that
helps predict who is most
likely to repay a debt. A
total number of points — a credit score — helps
predict how creditworthy you are — how likely it is
that you will repay a loan and make the payments
when they’re due.
Some insurance companies also use credit re-
port information, along with other factors, to help
predict your likelihood of filing an insurance claim
and the amount of the claim. They may consider
these factors when they decide whether to grant
you insurance and the amount of the premium they
charge. The credit scores insurance companies use
sometimes are called “insurance scores” or “credit-
based insurance scores.”
July 2007
Ever wonder how a lender decides whether to grant you credit?
For years, creditors have
been using credit scoring systems to determine if
you’d be a good risk for credit cards, auto loans,
and mortgages. These days, many more types of
businesses — including insurance companies and
phone companies — are using credit scores to decide
whether to approve you for a
loan or service and on what
terms. Auto and homeown-
ers insurance companies
are among the businesses
that are using credit scores
to help decide if you’d be a
3. good risk for insurance. A higher credit score means
you are likely less of a risk, and in turn, means you
will be more likely to get credit or insurance — or
pay less for it.
The Federal Trade Commission (FTC), the
nation’s consumer protection agency, wants you to
know how credit scoring works.
What is credit scoring?
Credit scoring is a system creditors use to help deter-
mine whether to give you credit. It also may be used
to help decide the terms you are offered or the rate
you will pay for the loan.
The FTC wants you to know
how credit scoring works.
FTC Facts
F o r C o n s u m e r s
Federal Trade Commission
For The Consumer
www.ftc.gov 1-877-ftc-help
Credit scores and credit
reports
Your credit report is a key part of many credit scor-
ing systems. That’s why it is critical to make sure
your credit report is accurate. Federal law gives you
the right to get a free copy of your credit reports
4. from each of the three national consumer reporting
companies once every 12 months.
The Fair Credit Report-
ing Act (FCRA) also gives
you the right to get your
credit score from the na-
tional consumer reporting
companies. They are allowed
to charge a reasonable fee,
generally around $8, for
the score. When you buy your score, often you get
information on how you can improve it.
To order your free annual report from one
or all the national consumer reporting com-
panies, and to purchase your credit score, visit
www.annualcreditreport.com, call toll-free 1-877-
322-8228, or complete the Annual Credit Report
Request Form and mail it to: Annual Credit Report
Request Service, P. O. Box 105281, Atlanta, GA
30348-5281. The form is at the back of this bro-
chure; or you can print it from www.ftc.gov/credit.
For more information, see Your Access to Free Credit
Reports at www.ftc.gov/credit.
How is a credit scoring
system developed?
To develop a credit scoring system or model, a cred-
itor or insurance company selects a random sample
of its customers, or a sample of similar customers,
and analyzes it statistically to identify characteristics
that relate to risk. Each of the characteristics then is
assigned a weight based on how strong a predictor it
5. is of who would be a good risk. Each company may
use its own scoring model, different scoring models
for different types of credit or insurance, or a generic
model developed by a scoring company.
Under the Equal Credit Opportunity Act
(ECOA), a creditor’s scoring system may not use
certain characteristics — for
example, race, sex, marital sta-
tus, national origin, or religion
— as factors. The law allows
creditors to use age in properly
designed scoring systems. But
any credit scoring system that
includes age must give equal
treatment to elderly applicants.
What can I do to improve
my score?
Credit scoring systems are complex and vary among
creditors or insurance companies and for different
types of credit or insurance. If one factor changes,
your score may change — but improvement gener-
ally depends on how that factor relates to others the
system considers. Only the business using the scor-
ing knows what might improve your score under the
particular model they use to evaluate your applica-
tion.
Nevertheless, scoring models usually consider the
following types of information in your credit report
to help compute your credit score:
l Have you paid your bills on time? You can count
6. on payment history to be a significant factor. If
your credit report indicates that you have paid
bills late, had an account referred to collections,
or declared bankruptcy, it is likely to affect your
score negatively.
Your credit report is
a key part of many
credit scoring systems.
FTC Facts For Consumers 2
l Are you maxed out? Many scoring systems evalu-
ate the amount of debt you have compared to
your credit limits. If the amount you owe is close
to your credit limit, it’s likely to have a negative
effect on your score.
l How long have you had credit? Generally, scor-
ing systems consider the length of your credit
track record. An insufficient credit history may
affect your score negatively, but factors like
timely payments and low balances can offset
that.
l Have you applied for new credit lately? Many
scoring systems consider whether you have ap-
plied for credit recently by looking at “inquiries”
on your credit report. If you have applied for
too many new accounts recently, it could have
a negative effect on your score. Every inquiry
isn’t counted: for example,
inquiries by creditors who are
7. monitoring your account or
looking at credit reports to
make “prescreened” credit of-
fers are not considered liabili-
ties.
l How many credit accounts
do you have and what kinds
of accounts are they? Although it is generally
considered a plus to have established credit
accounts, too many credit card accounts may
have a negative effect on your score. In addition,
many scoring systems consider the type of credit
accounts you have. For example, under some
scoring models, loans from finance companies
may have a negative effect on your credit score.
Scoring models may be based on more than
the information in your credit report. When you
are applying for a mortgage loan, for example, the
system may consider the amount of your down pay-
ment, your total debt, and your income, among other
things.
Improving your score significantly is likely to take
some time, but it can be done. To improve your credit
score under most systems, focus on paying your bills
in a timely way, paying down any outstanding bal-
ances, and staying away from new debt.
Are credit scoring systems
reliable?
Credit scoring systems enable creditors or insurance
companies to evaluate millions of applicants consis-
8. tently on many different characteristics. To be sta-
tistically valid, these systems must be based on a big
enough sample. They generally vary among businesses
that use them.
Properly designed, credit
scoring systems generally
enable faster, more accurate,
and more impartial decisions
than individual people can
make. And some creditors
design their systems so that
some applicants — those
with scores not high enough
to pass easily or low enough to fail absolutely — are
referred to a credit manager who decides whether the
company or lender will extend credit. Referrals can re-
sult in discussion and negotiation between the credit
manager and the would-be borrower.
What if I am denied credit
or insurance, or don’t get
the terms I want?
If you are denied credit, the ECOA requires that the
creditor give you a notice with the specific reasons
Scoring models may be
based on more than the
information in your
credit report.
FTC Facts For Consumers �
9. If you’ve been denied credit or insurance or didn’t
get the rate or terms you want, ask questions:
l Ask the creditor or insurance company if a credit
scoring system was used. If it was, ask what char-
acteristics or factors were used in the system, and
how you can improve your application.
l If you get the credit or insurance, ask the creditor
or insurance company whether you are getting the
best rate and terms available. If you’re not, ask why.
l If you are denied credit or not offered the best rate
available because of inaccuracies in your credit re-
port, be sure to dispute the inaccurate information
with the consumer reporting company. To learn
more about this right, see How to Dispute Credit
Report Errors at www.ftc.gov/credit.
The FTC works for the consumer to prevent
fraudulent, deceptive and unfair business practices in
the marketplace and to provide information to help
consumers spot, stop, and avoid them. To file a com-
plaint or to get free information on consumer issues,
visit www.ftc.gov or call toll-free, 1-877-FTC-HELP
(1-877-382-4357); TTY: 1-866-653-4261. The FTC
enters Internet, telemarketing, identity theft, and other
fraud-related complaints into Consumer Sentinel , a
secure online database available to hundreds of civil
and criminal law enforcement agencies in the U.S.
and abroad.
your application was rejected or the news that you
have the right to learn the reasons if you ask within
10. 60 days. Ask the creditor to be specific: Indefinite
and vague reasons for denial are illegal. Acceptable
reasons might be “your income was low” or “you
haven’t been employed long enough.” Unacceptable
reasons include “you didn’t meet our minimum stan-
dards” or “you didn’t receive enough points on our
credit scoring system.”
Sometimes you can be denied credit or insurance
— or initially be charged a higher premium — be-
cause of information in your credit report. In that
case, the FCRA requires the creditor or insurance
company to give you the name, address, and phone
number of the consumer reporting company that
supplied the information. Contact the company to
find out what your report said. This information is
free if you ask for it within 60 days of being turned
down for credit or insurance. The consumer report-
ing company can tell you what’s in your report; only
the creditor or insurance company can tell you why
your application was denied.
If a creditor or insurance company says you were
denied credit or insurance because you are too near
your credit limits on your credit cards, you may want
to reapply after paying down your balances. Because
credit scores are based on credit report information,
a score often changes when the information in the
credit report changes.
FTC Facts For Consumers �
You have the right to get a free copy of your credit file
disclosure, commonly called a credit report, once every 12
11. months, from each of
the nationwide consumer credit reporting companies - Equifax,
Experian and TransUnion.
For instant access to your free credit report, visit
www.annualcreditreport.com.
For more information on obtaining your free credit report, visit
www.annualcreditreport.com or call 1-877-322-8228.
Use this form if you prefer to write to request your credit report
from any, or all, of the nationwide consumer credit reporting
companies. The
following information is required to process your request.
Omission of any information may delay your request.
If additional information is needed to process your request, the
consumer credit
reporting company will contact you by mail.
Your request will be processed within 15 days of receipt and
then mailed to you.
Annual Credit Report Request Form
Once complete, fold (do not staple or tape), place into a #10
envelope, affix required postage and mail to:
Annual Credit Report Request Service P.O. Box 105281
Atlanta, GA 30348-5281.
Copyright 2004, Central Source LLC
Equifax
Experian
TransUnion
12. I want a credit report from (shade
each that you would like to
receive):
Shade here if, for security
reasons, you want your credit
report to include no more than
the last four digits of your
Social Security Number.
Shade Circle Like This >
Not Like This >
Social Security Number:
- -
Date of Birth:
/ /
Month Day Year
First Name M.I.
Last Name JR, SR, III, etc.
Current Mailing Address:
House Number Street Name
City State ZipCode
ZipCodeStateCity
Apartment Number / Private Mailbox For Puerto Rico Only:
Print Urbanization Name
13. Street NameHouse Number
Previous Mailing Address (complete only if at current mailing
address for less than two years):
Fold HereFold Here
Fold HereFold Here
Please use a Black or Blue Pen and write your responses in
PRINTED CAPITAL LETTERS without touching the sides of
the boxes like the examples listed below:
For Puerto Rico Only: Print Urbanization NameApartment
Number / Private Mailbox
31238
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0 1 2
3 4 5 6 7 8 9
General Tips
The Federal Trade Commission (FTC) is the nation’s consumer
protection agency. Here are
some tips from the FTC to help you be a more savvy consumer.
Know who you’re dealing with. Do business only with
companies that clearly provide their
name, street address, and phone number.
Protect your personal information. Share credit card or other
personal information only
14. when buying from a company you know and trust.
Take your time. Resist the urge to “act now.” Most any offer
that’s good today will be good
tomorrow, too.
Rate the risks. Every potentially high-profit investment is a
high-risk investment. That
means you could lose your investment — all of it.
Read the small print. Get all promises in writing and read all
paperwork before making any
payments or signing any contracts. Pay special attention to the
small print.
“Free” means free. Throw out any offer that says you have to
pay to get a gift or a “free” gift.
If something is free or a gift, you don’t have to pay for it.
Period.
Report fraud. If you think you’ve been a victim of fraud, report
it. It’s one way to get even
with a scam artist who cheated you. By reporting your
complaint to 1-877-FTC-HELP or
ftc.gov, you are providing important information to help law
enforcement officials track
down scam artists and stop them!
1.
2.
3.
4.
15. 5.
6.
7.
For The Consumer Federal Trade Commission
ftc.gov 1-877-ftc-help
Federal Trade Commission
Bureau of Consumer Protection
Division of Consumer and Business Education