This document provides an overview of credit reports and credit scores. It discusses how credit reports are used by lenders, employers, insurers and others. It outlines the major components of a credit report, including personal information, account details, public records, inquiries and collections. It also explains how to obtain a free annual credit report and the importance of checking for inaccuracies. The document then covers how credit scores are calculated based on payment history, credit utilization, length of credit history, new credit and credit mix. It identifies factors that can help or hurt credit scores and emphasizes the importance of ensuring credit reports contain accurate information.
Credit Scores: What's New
Tuesday, May 3, 11 a.m.-12:30 p.m. ET
This 90-minute webinar will present findings from Experian Public Education Director Rod Griffin and Dr. Barbara O'Neill. This webinar will cover the fundamentals of credit reporting and credit scoring and what you must do to get the credit you want and need.
Speakers: Dr. Barbara O'Neill and Rod Griffin
Register, join & find supporting resources: https://learn.extension.org/events/2488
Credit Reports & Scoring is designed to help individuals understand their role and responsibilities when viewing credit reports. It will prepare Mortgage Loan Originators with the required knowledge in order to successfully analyze a borrower's credit report. You will obtain a clear understanding of the types of credit reports and how to access these reports. For more info: www.nafcu.org/genworth
Discover the new world of credit. In this PowerPoint developed for high school students, be introduced to the vocabulary of credit, what it is, and why it is important to maintain a good credit score.
Credit Scores: What's New
Tuesday, May 3, 11 a.m.-12:30 p.m. ET
This 90-minute webinar will present findings from Experian Public Education Director Rod Griffin and Dr. Barbara O'Neill. This webinar will cover the fundamentals of credit reporting and credit scoring and what you must do to get the credit you want and need.
Speakers: Dr. Barbara O'Neill and Rod Griffin
Register, join & find supporting resources: https://learn.extension.org/events/2488
Credit Reports & Scoring is designed to help individuals understand their role and responsibilities when viewing credit reports. It will prepare Mortgage Loan Originators with the required knowledge in order to successfully analyze a borrower's credit report. You will obtain a clear understanding of the types of credit reports and how to access these reports. For more info: www.nafcu.org/genworth
Discover the new world of credit. In this PowerPoint developed for high school students, be introduced to the vocabulary of credit, what it is, and why it is important to maintain a good credit score.
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 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 day in the life of someone improving his or her credit ratingEdward
Top tips on improving your credit rating including information to help you understand bad credit. This slideshare will help you manage your debts and find the right debt solution for you.
The Credit Process: A Guide For Small Business OwnersAli Mohammed
This Power Point is talking about The Credit Process as guide for Small Business Owners containing
=Methodology
=Major deliverables
=5 C’s of Credit
=Credit Risk Management
=Management Approvals
=Future work processes
=Future Procedures Overview
=Information system support
=Functions of Credit Control Group & Marketing Division
=Way forward
This presentation includes essential credit information needed when approaching a lender, including how to get lenders on your side, when to apply for loans and what common mistakes to avoid.
Understanding Credit Scoring for Mortgage ProfessionalsSusan McCullah
Learn more about how credit scores are formulated, what they predict, and how they can be increased. We examine the factors that make up a credit score, common credit myths, and big credit mistakes.
Open Business Council offers resources, Trade Finance, business advice, SME Finance and a forum and directory for businesses!
http://www.openbusinesscouncil.org/
February 6, 2014 presentation to Community Bankers Association of Georgia's BSA Officer's School covering Money Services Businesses (MSBs), Bank Secrecy Act / Anti-Money Laundering (BSA/AML), Office of Foreign Asset Control (OFAC), and operational considerations.
See the factors that make up a credit scoring calculation, frequently asked questions about credit reports, and common misconceptions of 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 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 day in the life of someone improving his or her credit ratingEdward
Top tips on improving your credit rating including information to help you understand bad credit. This slideshare will help you manage your debts and find the right debt solution for you.
The Credit Process: A Guide For Small Business OwnersAli Mohammed
This Power Point is talking about The Credit Process as guide for Small Business Owners containing
=Methodology
=Major deliverables
=5 C’s of Credit
=Credit Risk Management
=Management Approvals
=Future work processes
=Future Procedures Overview
=Information system support
=Functions of Credit Control Group & Marketing Division
=Way forward
This presentation includes essential credit information needed when approaching a lender, including how to get lenders on your side, when to apply for loans and what common mistakes to avoid.
Understanding Credit Scoring for Mortgage ProfessionalsSusan McCullah
Learn more about how credit scores are formulated, what they predict, and how they can be increased. We examine the factors that make up a credit score, common credit myths, and big credit mistakes.
Open Business Council offers resources, Trade Finance, business advice, SME Finance and a forum and directory for businesses!
http://www.openbusinesscouncil.org/
February 6, 2014 presentation to Community Bankers Association of Georgia's BSA Officer's School covering Money Services Businesses (MSBs), Bank Secrecy Act / Anti-Money Laundering (BSA/AML), Office of Foreign Asset Control (OFAC), and operational considerations.
See the factors that make up a credit scoring calculation, frequently asked questions about credit reports, and common misconceptions of credit scores.
Conference: 42nd Annual Industrial
Electronics Conference (IECON2016).
Florence, Italy – October 24-27, 2016
Title of the paper: A Web-Based
Simulator for a Discrete Manufacturing
System
Authors: Wael M. Mohammed, Borja
Ramis Ferrer, Sergii Iarovyi, Andrei
Lobov, José L. Martinez Lastra
The Kanaka Maoli collection includes a special version (1KS) limited to 898 fountain pens featuring the lateral lever system and the characterizing elements in special bronze alloy plated with 24 carat gold. The collection comprises also the (1K) version limited to 1898 fountain pens with the filling system accom- plished by cartridge or converter and with the characterizing elements in special bronze alloy Rhodium plated. Also available are 1898 ballpoint pens (2) with twist mechanism and same characteristics as the 1k version.
In addition a Doué version is offered in both fountain pen (1kD) and ballpen (2D) and limited to 1898 pieces each. The Doué version offers same characteristics as the 1k and 2 with the only difference being the cap which is in black resin.
Credit Repair Education for Libraries 6.15.19Victor Johnson
Victor Vonico Johnson, as General Partner for Credit Restoration Mentors, conducts a talk at a Carrollton Texas Library to educate the community about the benefits of good credit, and how to achieve it.
A guide to helping you understand your credit score.
Table of Contents:
Understanding your credit score 1
How much does a low score cost you 2
How are credit scores calculated 3
Cracking the code 7
Improving your credit score 9
Learn how to manage your credit thereby increasing your credit scores. Learn how and why you should separate your personal credit from your business credit.
Credit scores influence the credit that’s available and the terms i.e. interest rate, etc. that lenders may offer. It’s a vital part of credit health, and when a consumer applies for credit - whether for a credit card, an auto loan, or a mortgage, lenders want to know what risk they'd take by loaning money. When lenders order a credit report, they are seeking information, and a credit score helps lenders evaluate a credit report because it’s simply a number that summarizes credit risk.
Understanding Your Credit with SpringCoinCarrie Smith
A complete presentation from SpringCoin on Understanding and Improving Your Credit Score. How to establish or re-establish credit properly to save money and pay down debt.
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.
Understanding your credit.Why is important to understand your credit, how to create a behavior to maintain control over your score.Good Credit is less debts
A credit report is used as the basis for many decisions in a person's financial life, including approval for credit cards and loans, buying cars, and renting homes. Learn more about the basics of credit reports.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
2. Today we will cover:
• How your credit report is used.
• How you can order your own
credit report.
• How to dispute incorrect information.
• How your credit score is calculated.
• How can you improve your score.
3.
4. Credit Reporting Agencies
• Equifax – based in Atlanta, GA
• The main bureau that USE Credit
Union uses.
• Experian – (formerly TRW) – based in
Orange County, CA
• Pulled for additional information
or for comparison.
• TransUnion – based in Chicago, IL
5. Who is looking at your
Credit Report?
• Lenders: Purpose is to evaluate your
credit-worthiness and level of risk.
• Employers: Before extending an offer
of employment.
• Insurance companies: To establish rate
premiums.
• Landlords: To evaluate your risk as a
tenant
• Used by many companies for marketing
and demographic information.
6. Where does this information come from?
• Information reported monthly or
quarterly by financial institutions.
• Most, but not all, financial
companies report.
• Smaller institutions may report
quarterly or not all.
• Not all institutions report to each
of the three main bureaus.
• Reporting is a courtesy, not a
requirement or obligation.
7. What is in my Credit Report?
Personal Information
Credit Account Information/
Trade Information
Public Record Information
Inquiries
Collection Information
8. Inquiries
• “Soft hit” vs. “hard hit.”
• One inquiry may decrease score by
a few points.
• Inquiries have a greater impact if you have
few accounts or a short credit history.
• 45 day window for auto and mortgage shopping.
• Ignores all inquiries made 30 days
prior to scoring.
9. How to obtain a copy of your
Credit Report
• Equifax: www.equifax.com
• Experian: www.experian.com
• TransUnion: www.transunion.com
• One free credit report every 12 months
• www.annualcreditreport.com
– Does not provide credit score
(available for purchase)
10. Reasons to check your
Credit Report
• 1 in 6 reports contain errors.
• Inaccurate information can damage your ability to:
- Buy a house
- Rent an apartment
- Obtain credit or insurance
- Open a checking account
- Get a job
- Signals of ID Theft
11. When information is not accurate
• File a dispute with the credit
reporting agency.
• Credit reporting agencies are governed
by the Fair Credit Reporting Act.
• Disputes filed directly with the creditor
are resolved at their discretion.
• Disputed information not verified within
30 days will be blocked from your report.
• Beware of credit clinics: There is nothing
they can do that you can not do yourself.
12. FACT ACT
Accuracy of Credit Information
• Effective July 1, 2010
• Regulators have identified circumstances when institutions
who report information to the Credit Reporting Agencies
must investigate disputes
about the accuracy of information on a credit
report when a member makes a request.
• Consumers must submit dispute in writing.
• ** Regulatory changes are taking place that will
continue to impact credit and credit scores.
13. What does this mean?
• Reporting institutions must conduct an investigation
on a consumer dispute
when it relates to:
• Whether there is individual or joint liability on an account
• Whether the member is an authorized user of the
credit account
• The type of account, principal balance, scheduled
payment, or amount of credit limit being reported
• Current payment status, high balance, date a payment
was made, amount of a payment made, or the date the
account was opened or closed
14. What is a Credit Score?
• A 3 digit number between 300 - 850
• Often referred to as the “FICO” score
• A snapshot of your credit risk at a
particular point in time
• A numerical value based on information
contained in your credit report
15. Benefits of Credit Scoring
• The Credit Score gives lenders a fast,
objective measurement of your credit risk:
• Credit decisions are fairer
• Older credit problems count for less
21. What HURTS your score?
• Missing a payment.
• Credit cards at capacity.
• Closing out credit cards.
• Shopping for credit excessively.
• Opening numerous trades in a short
period of time.
• Having more revolving loans in relation
to installment loans.
22. What does NOT affect your score?
• Income, race, religion, age
• Debt ratio (total monthly payments
divided by monthly gross income)
• Length of residence
• Length of employment
• Child support or family obligations
(Unless they become collection items)
23. Remember
› Your credit report’s accuracy
is your responsibility.
› Financial institutions only read the information
provided on the report.
› Credit reporting agencies only report the
information provided to them.
› It is the consumer’s responsibility to ensure that
information is accurate and current.
› Your credit score is one of many factors that
creditors look at.