A VantageScore 661 or above is considered good while a score 781 or above is considered excellent. The higher your credit score, the more likely you are to be approved for loans or credit at the best rates and most favorable terms. The lower your credit score, the more difficult it will be to get a credit card, obtain favorable terms on a loan ...S-Score: A numerical value that encapsulates how consumers and investors feel about a company, stock, ETF, sector or index as expressed over social media, specifically Twitter. S-Scores are ...Good: If your score is between 670-739, you'll fall into the "good" range. This means you're considered dependable, but you may have had a late payment in the past, carry higher debt levels or you may not have a long credit history. Fair: A credit score of 580 - 669 means you're in the "fair" range. You likely made a payment ...Our stock clearance products are updated daily so you will be sure to find yourself a bargain. All of our clearance products come with the same Screwfix service – so you can be sure that the products meet our high standards.You can order online and collect in store in as little as a minute or order direct to home or site with free next day ...Screen Rant: Movie News, Movie Reviews, Movie Trailers, TV News. Deadpool & Wolverine (2024) Superman Legacy (2025) Abigail (2024) Obi-Wan Kenobi. Argylle (2024) In TV shows, the dynamic between the heroes and villains is often the most compelling, creating tension if they team up when a new threat arises. 2:16.Highlights: Credit scores are three-digit numbers that show an important piece of your financial history. Credit scores help lenders decide whether to grant you credit. The average credit score in the United States is 698, based on VantageScore ® data from February 2021. It's a myth that you only have one credit score.1-. Source: SAT Understanding Scores 2023. Again, note that the percentile ranks change dramatically toward the middle scores: 500 in ERW is only 43%, but 600 is 73%. In other words, a 100-point improvement—which is very manageable with some smart studying —could transform your score from poor to good.Score test. In statistics, the score test assesses constraints on statistical parameters based on the gradient of the likelihood function —known as the score —evaluated at the hypothesized parameter value under the null hypothesis. Intuitively, if the restricted estimator is near the maximum of the likelihood function, the score should not ...The higher the score, the lower the risk to lenders. A "good" credit score is considered to be in the 670-739 score range. Credit Score Ranges. Rating. Description. <580. Poor. This credit score is well below the average score of U.S. consumers and demonstrates to lenders that the borrower may be a risk. 580-669.A credit score is a 3-digit numeric summary of your credit history that represents your past credit behavior and how well you have managed your credit products, like home loans, business loans, auto loans, personal loans, or credit cards. Credit score also commonly referred to as CIBIL Score is primarily a measure of your ability to borrow from Banks/NBFCs. SCORE Mentor. A Mentor is certified, trained and qualified to mentor clients including existing businesses and start-up clients. Mentors are proficient in guiding a client on business basics. SCORE Mentors pledge to contribute to the SCORE mission in meaningful ways. Our clients rely on our Mentors’ expertise to help them succeed. Sep 28, 2023 · 3. Press ⌘ Command +⇧ Shift + 4 + Spacebar to capture a specific window. The cursor will become a camera icon. Click the window in which you want a screenshot. When you click, the computer will make a "shutter" sound and the image will be saved to a file on your desktop. [5] 4. Even without hovering drones, a lurking assassin, a thumping score and a denouement, the real-life story of Edward Snowden, a rogue spy on the run, could be straight out of the cinema. But, as with Hollywood, the subplots and exotic locations may distract from the real message: America's discomfort and its foes' glee.Cis -regulatory elements (CREs) and super cis- regulatory elements (SCREs) are non-coding DNA regions which influence the transcription of nearby genes and play critical roles in development. Dysregulated CRE and SCRE activities have been reported to alter the expression of oncogenes and tumor suppressors, thereby regulating cancer …Record your screen and webcam. Turn your expertise into engaging trainings and compelling presentations with easy screen capture tools. Record your screen, webcam or both with voiceover narration and computer audio. Add AI speech-to-text captions to make your videos accessible. Learn more about the screen recorder.BPM. 120. F, d. Download and print in PDF or MIDI free sheet music of birdland - Josef Zawinul for Birdland by Josef Zawinul arranged by rnagle91 for Piano (Solo)FICO Scores are calculated using many different pieces of credit data in your credit report. This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%). Your FICO Scores consider both positive and negative information in your credit report.Standard score. In statistics, the standard score is the number of standard deviations by which the value of a raw score (i.e., an observed value or data point) is above or below the mean value of what is being observed or measured. Raw scores above the mean have positive standard scores, while those below the mean have negative standard scores.Record Screen in High Resolution with Audio to record your tutorial, games, etcApr 11, 2021 · Just a tutorial for a free screen recording app I found for computer screensLink to download page: https://scre.io/_____... SCRE: Scottish Council for Research in Education: SCRE: Space Capsule Recovery Experiment (Indian Space Research Organisation) SCRE: Safety-Critical Requirements Evolution: SCRE: Southern California Rehabilitation Exchange: SCRE: Sprint Customer Request for Engineering: SCRE: Send Corrected ReferenceThe following actions can hurt your credit scores: Missing payments: Mentioned above, but well worth repeating: Even one payment made 30 days late or missed altogether can hurt credit scores significantly. Using too much of your available credit: Lenders may view high credit utilization as a sign of overdependence on credit. Utilization and overall debt account for 30% of your FICO ® Score.1-. Source: SAT Understanding Scores 2023. Again, note that the percentile ranks change dramatically toward the middle scores: 500 in ERW is only 43%, but 600 is 73%. In other words, a 100-point improvement—which is very manageable with some smart studying —could transform your score from poor to good.What does SCRE mean? What does SCRE stand for? 13 popular meanings of SCRE abbreviation: Vote. 2. Vote. sCre. Serum Creatinine. Nephrology, Medical. Nephrology, Medical.The range for scores in the verbal and quantitative sections is 130-170 in one-point increments. The range for scores in analytical writing is 0 - 6 in half-point increments. The mean GRE scores for each section amongst recent test takers were ~151 in Verbal, ~155 in Quantitative, and ~3.5 in Writing. A good GRE score for each section is ...Based on the evaluations, SCRE BERT(EM)+MTB achieves a higher F1-score when compared with SCRE BERT(EM). This improvement is not significantly different since the generated corpus for training the model is not large enough to train the MTB model. The performance of the model on the merged relation instances is high since …The calculator below will calculate a Bishop score. The Bishop’s score was originally developed to predict the likelihood of a woman entering labor naturally in the near future. A woman with a low score of 1 would not expected go into labor for about 3 weeks. A woman with a higher score score of 10 could be expected to go into labor within a ...or call toll-free 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. Also, anyone in the U.S. can get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191.sklearn.metrics.r2_score¶ sklearn.metrics. r2_score (y_true, y_pred, *, sample_weight = None, multioutput = 'uniform_average', force_finite = True) [source] ¶ \(R^2\) (coefficient of determination) regression score function. Best possible score is 1.0 and it can be negative (because the model can be arbitrarily worse). In the general case when the true y is non-constant, a constant model ...🔩🔧【 LINKS AQUÍ DEBAJO 】🔧🔩 Scre.io: https://scre.io/Extensión para grabar la pantalla sin necesidad de descargar programas ...The average FICO credit score in the US is 717, according to the latest FICO data. The average VantageScore is 701 as of January 2024. Credit scores, which are like a grade for your borrowing ...The imperial diameter (in 16th of an inch) of the screw head is twice the gauge (imperial). The formula below can be used to calculate an estimate of the screw head sizes and the gauge. Gauge= (Head diameter in sixteenths of an inch X 2 ) - 2. E.g. 5/16 head times two equals 10, minus two equals 8. The Gauge is 8.Sign in to your account on Screwfix, the UK's leading trade website, and enjoy exclusive offers, easy order management and fast delivery.Twenty-three percent of Americans have a credit score between 800 and 850, considered "exceptional" by FICO. A credit score at the top of that range -- 850 -- is considered a perfect score. Twenty ...Why Use. C-reactive protein. <15 mg/dL (150 mg/L) 0. ≥15 mg/dL (150 mg/L) +4. White blood cell count (x10,000/µL) <15 0. 15-25 +1. >25 +2. Hemoglobin (g/dL)SAT Score Distribution. The SAT is designed so that a total score of approximately 1000—the middle score between 400 (the minimum) and 1600 (the maximum), or the highest point on the SAT bell curve—signifies the average score of test takers.. The current SAT bell curve means that most SAT takers score around 1000, and very few score extremely high (1500 and higher) or extremely low (700 ...Based on the evaluations, SCRE BERT(EM)+MTB achieves a higher F1-score when compared with SCRE BERT(EM). This improvement is not significantly different since the generated corpus for training the model is not large enough to train the MTB model. The performance of the model on the merged relation instances is high since …List of 5-letter words containing SCRE. c a rse. ceres. c o rse. cr a se. crees. cre m s. cress. cres t.Football live scores on Sofascore live score from 600+ soccer leagues. Follow live results, statistics, league tables, fixtures and videos from Champions League. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750. In 2022, the average FICO ® Score ☉ in the U.S. reached 714. Achieving a good credit score can help you qualify for a credit card or loan with a lower interest rate and better terms. FICO Score. Payment history (35%): Whether you've paid past credit accounts on time. Amounts owed (30%): The total amount of credit and loans you're using compared to your total credit limit ...Check if your smartphone is on the same Wi-Fi network as this device. Why? Open Screen Mirror on your Android smartphone and scan this QR code to start screen mirroring. …Follow The SCORE Group, the leading adult entertainment company, for the latest news, updates and exclusive content from their models and magazines.A z-score measures the distance between a data point and the mean using standard deviations. Z-scores can be positive or negative. The sign tells you whether the observation is above or below the mean. For example, a z-score of +2 indicates that the data point falls two standard deviations above the mean, while a -2 signifies it is two standard ...Realtime price charts and trading history on DEXes across Ethereum, BSC, Polygon, Avalanche, Fantom, Harmony, Cronos, Arbitrum, Optimism and more.From the creator. Dr. Wells on use of his scores for MDCalc: The model should be applied only after a history and physical suggests that venous thromboembolism is a diagnostic possibility. it should not be applied to all patients with chest pain or dyspnea or to all patients with leg pain or swelling. This is the most common mistake made.Share, download and print free sheet music for piano, guitar, flute and more with the world's largest community of sheet music creators, composers, performers, music teachers, students, beginners, artists and other musicians with over 1,000,000 sheet digital music to play, practice, learn and enjoy.The calculator below will calculate a Bishop score. The Bishop's score was originally developed to predict the likelihood of a woman entering labor naturally in the near future. A woman with a low score of 1 would not expected go into labor for about 3 weeks. A woman with a higher score score of 10 could be expected to go into labor within a ...Trust, transparency, and security are in our DNA. SecurityScorecard is the global leader in cybersecurity ratings and the only service with millions of organizations continuously rated. Thousands of organizations leverage our patented rating technology for self-monitoring, third-party risk management, board reporting, and cyber insurance ...6. ScreenRecorder by Scre.io. ScreenRecorder by Scre.io is a Screen Recording Google Chrome extension perfect for use by professionals and educators. It enables users to record their screen, with varied options of specificity. This extension offers the option to integrate webcam footage into the screen recording to boost communication.Subsection (a) does change the law in South Carolina. The prior law was that a witness could be impeached by evidence that the witness had been convicted of a crime of moral turpitude. State v. Hale, 284 S.C. 348, 326 S.E.2d 418 (Ct.App.1985), cert. denied, 286 S.C. 127, 332 S.E.2d 533 (1985); State v. Harvey, 275 S.C. 225, 268 S.E.2d 587 (1980 ...Sep 28, 2023 · 3. Press ⌘ Command +⇧ Shift + 4 + Spacebar to capture a specific window. The cursor will become a camera icon. Click the window in which you want a screenshot. When you click, the computer will make a "shutter" sound and the image will be saved to a file on your desktop. [5] 4. For FICO, credit scores from 670 to 739 are considered to be good, 740 to 799 are very good and above 800 are exceptional. VantageScore has a slightly different breakdown where credit scores between 601 and 660 are considered near prime, scores between 661 and 780 are considered prime, and scores 781 and above are considered super prime.Screwfix.ie: Thousands of products | Choose from top trade brands | Free delivery to home or site available | Thousands of customer product reviewsThe latest scoring data shows that the average composite score on the ACT is 19.5. By section, the national averages are: English average score: 18.6. Math average score: 19.0. Reading average score: 20.1. Science average score: 19.6. This data can help you understand where your score ranks. If you score a 20, that means you're slightly above ...Those with credit scores from 580 to 669 are generally seen as "subprime borrowers," meaning they may find it more difficult to qualify for better loan terms. Those with lower scores - under 580 - generally fall into the "poor" credit range and may have difficulty getting credit or qualifying for better loan terms. Share, download and print free sheet music for piano, guitar, flute and more with the world's largest community of sheet music creators, composers, performers, music teachers, students, beginners, artists and other musicians with over 1,000,000 sheet digital music to play, practice, learn and enjoy. MDCalc is utilized by millions of clinicians to treat hundreds of millions of patients worldwide. The National Early Warning Score (NEWS) determines the degree of illness of a patient using six physiological findings and one observation.La Basilique du Sacré-Cœur est un édifice religieux situé au sommet de la butte Montmartre à Paris.Sacré in French means "sacred," so taken together sacrebleu, literally means "Holy blue!" instead of sacré Dieu ("Holy God!") Ball Memes. By 1805, sacrebleu, written variously as sacré bleu or sacre bleu in English, was used in writings by the British about French people. In order to show how French a person or character was ...The FICO Score, used by 90% of top lenders in the United States, analyzes the information on your credit report. Then, it predicts how likely you are to pay a bill 90 days late (or worse) within ...Please see our Crossword & Codeword, Words With Friends or Scrabble word helpers if that's what you're looking for. 5-letter Words. scree. screw. Advanced Word Search. Containing the letters (in any position) . Matches entered letters in any sequence anywhere in the word.4.2 out of 5, 1,641 reviews. Hippo Video is one of the best screen recording extensions for Chrome. You can instantly record, edit, and share your videos with a professional touch. The powerful video editor will let you edit your videos and share them across various platforms.One study found a 2% rise in surgical mortality risk for each MELD point over 20 and a 1% increase per point below 20. The MELD score may also help predict longer term survival for a wide range of liver diseases, including esophageal varices, spontaneous bacterial peritonitis, and hepatorenal syndrome.6. ScreenRecorder by Scre.io. ScreenRecorder by Scre.io is a Screen Recording Google Chrome extension perfect for use by professionals and educators. It enables users to record their screen, with varied options of specificity. This extension offers the option to integrate webcam footage into the screen recording to boost communication. help us increase our impact by supporting the SCORE Foundation. Our commitment to the SCORE Foundation is a great example of how we work with small businesses at each stage of business ownership with not only financing but hands-on guidance and support, Scott Stearsman. Head of Small Business | Truist Corporation. Learning Modules. Objectives, links to resources, and conference prep questions. This Week in SCORE. A topic-of-the-week curriculum covering modules and quizzes. 1) Identify CRE/SCRE associated genes by Homer/ROSE programs along with “enhancer-to-promoter links” in ATAC-seq, Hi-C as well as Hi-ChIP; and investigate their mRNA expression in the matched tissues or cell lines. 2) Explore the transcript factor (TF) binding sites and associated somatic mutations of individual CRE/SCRE.Analyse Malaysia stock market better ever. Access everywhere. Available in Google Play Store and App Store!Volunteer Login. Please choose the appropriate login by clicking on one of the buttons below: Log in to Engage. Log in as a Webmaster. If you are having trouble logging in please contact [email protected] readers score your essay on a scale of 1-6 in four different areas (learn more about the ACT essay here ). The ACT essay score will appear on your score report on a scale from 2-12. ACT also reports an English Language Arts (ELA) score out of 36, which represents your overall performance on the English, reading, and writing tests, but ...This book offers an introduction for teachers, students, and other educational practitioners to the techniques that transform informal observation into a recognized research tool. It is intended for those with little or no experience with formal observation. Four chapters focus on: …What are the characteristics of the RIT scales? These RIT scales are stable, equal interval scales that use individual item difficulty values to measure student achievement independent of grade level (that is, across grades). "Equal interval" means that the difference between scores is the same regardless of whether a student is at the top ...I multiply 64 by 10 to get 640. This is my final Evidence-Based Reading and Writing score. Finally, I can calculate my total SAT composite score, since I know my Math score (610) and my EBRW score (640). I simply add them together to get the composite: 610 + 640 = 1250. Not too shabby!The average FICO 8 credit score was 717 as of October 2023, FICO reported. [1] ; the average VantageScore 3.0 was 700 as of October 2023. Both FICO and VantageScore use a scale of 300 to 850. They ...Follow the steps to optimize your resume. See your score increase. Update your resume document, click on the Upload and rescan button, then paste in the updated text of your resume. Your score will update. Continue this process with your resume until you reach a score of 75% or higher. See My Score Report.Want to give your whole school, district, or organization the ability to explain, communicate, and learn with video? Screencastify is the leading Chrome screen recorder for …Film Score Friday 4/19/24: Posted By Scott Bettencourt 4/18/2024 - 10:00 PM: Intrada has two new releases from composer Christopher Young this week -- his score for the new horror film THE PIPER, starring Charlotte Hope and the late Julian Sands; and a two-disc release of his score for the 1995 sci-fi horror thriller SPECIES, with the complete score on Disc One and Young's own CD sequencing on ...History A water pump in Egypt from the 1950s which uses the Archimedes' screw mechanism. The screw pump is the oldest positive displacement pump. The first records of a water screw, or screw pump, date back to Hellenistic Egypt before the 3rd century BC. The Egyptian screw, used to lift water from the Nile, was composed of tubes wound round a …Its easy: Go through each of the six Braden score calculator sub-scales. For each sub-scale, you should choose the most appropriate answer from the drop-down list. For each answer, we show a more detailed description below, so you can find the most accurate classification of the patient's risk level.Leistritz Extrusion: Quick TSE overview technical article, ref. 11.2020 Quick overview of commercially available twin screw extruders (TSEs) Plastics play a role in all facets of modern life.Developed and maintained by IT Software Division - Finance Department , Government of KeralaVersion 2.1.0.SCORE San Diego's Veterans Committee works with local San Diego military installations to serve military members in transition, veterans, and their spouses interested in becoming entrepreneurs and small business owners. We also provided mentorship to veterans with existing businesses. We extend our veteran expertise through co-mentoring ...RULE 402. All relevant evidence is admissible, except as otherwise provided by the Constitution of the United States, the Constitution of the State of South Carolina, statutes, these rules, or by other rules promulgated by the Supreme Court of South Carolina. Evidence which is not relevant is not admissible. Note: This rule is the federal rule ...Socket Set Screws: Sizes - Dimensions & Specifications. *Angle is 90-degrees (+/-2 degrees) for these lengths and over, and it is 118-degress (+/-2 degrees) for shorter lengths. ** Click on the Nominal Size to shop for products. Fully threaded, headless screw with a hexagonal drive at one end and a cup-shaped indentation at the other. Learning Modules. Objectives, links to resources, and conference prep questions. This Week in SCORE. A topic-of-the-week curriculum covering modules and quizzes. A FICO score is a three-digit number, typically on a 300 to 850 range, that tells lenders how likely a consumer is to repay borrowed money based on their credit history. FICO also offers industry ...In this, the RoPE score is (to our knowledge) unique across all risk scores or clinical prediction models because it purports to predict something that is inherently unobservable in any individual patient—the attributable fraction, that is the likelihood that a PFO discovered in a patient with cryptogenic stroke is causally-related to the stroke.There are hundred of tools and software online that are available to use for screen recording but if you want a free, no hidden charges, user-friendly, and l...Production of CRISPR/Cas9-edited Scre gene knockout mice. The mouse Scre gene (Transcript: ENSMUSG00000089798), composed of 13.67 kb, is located on chromosome 5. Six exons have been identified, with an ATG start codon in exon 2 and a TGA stop codon in exon 6. The knockout mouse was created using a CRISPR/Cas9 …SCRE.IO is a free Chrome browser extention with an intuitive user interface that can record from your screen in 1080p. You can record the screen and/or your audio. According to the manufacturer, recording screen and camera simultaneously will be provided soon. The video is saved in the WebM format only. So if you need a different …
FICO® score ranges vary — either from 300 to 850 or 250 to 900, depending on the scoring model. The higher the score, the better your credit. Let's take a deeper look at FICO ® score ranges, what's considered to be a good FICO ® score, and how to improve your credit if your scores fall on the lower end of the scoring spectrum.. Calcount
31 meanings: 1. an evaluative, usually numerical, record of a competitive game or match 2. the total number of points made by a.... Click for more definitions.Click on the black box above to get full black screen. Use the ESC key to return back. or click on the above colors to get full color screen. or enter any browser recognized color name or hexadecimal color code (Example - Teal, #7B6F8E, etc.,) Choose your color -. or choose from the color picker tool. or start random color slideshow.High Lord Mken 'Scre'ah'ben, the Prophet of Inner Conviction, was a high-caste San'Shyuum politician who lived during the San'Shyuum-Sangheili War and in the founding years of the Covenant.. Mken 'Scre'ah'ben served as the Minister of the Ministry of Relic Safety in the Covenant High Council.Throughout his career he led the Mission to Janjur Qom and oversaw the Rending to deal with Sangheili ...Bail/Bond Release Procedures. Once bail has been posted, it may take as much as two to six hours before the person in custody is released. Release times will vary depending on the day of the week, time of day and how many other releases are pending at the time the bail is received. We appreciate your patience and understanding of the importance ...1. See your credit score and credit report for free. Enter your email address to sign up and see your credit score and report. 2. Find out how to improve your credit score. Use our clear, easy insights to find out what you can do to improve your score. 3. Apply for offers that are right for you.Fair: 601 to 660. Good: 661 to 780. Excellent: 781 to 850. If your lender is pulling your score from Experian, they will see your FICO credit score. You would need to score between 670 and 739 to ...Screw is a pornographic online magazine published in the United States aimed at heterosexual men; it was originally published as a weekly tabloid newspaper.. The publication, which was described as "raunchy, obnoxious, usually disgusting, and sometimes political", was a pioneer in bringing hardcore pornography into the American mainstream during the late 1960s and early 1970s. Stock analysis and screening tool for investors in India. Or analyse: Sandur Manganese Shilchar Tech Kovai Medical NGL Fine Chem Permanent Magnet Pix Transmission RACL Geartech Rossell India Shivalik Bimetal. There are hundred of tools and software online that are available to use for screen recording but if you want a free, no hidden charges, user-friendly, and l...Sacrebleu. Sacrebleu or sacre bleu is a French profanity used as a cry of surprise, irritation or displeasure. It is a minced oath form of the profane sacré Dieu (holy God), which, by some religions, is considered profane, due to one of the Ten Commandments in the Bible, which reads " Thou shalt not take the name of the Lord thy God in vain ."MDCalc is utilized by millions of clinicians to treat hundreds of millions of patients worldwide. The National Early Warning Score (NEWS) determines the degree of illness of a patient using six physiological findings and one observation.There are lots of reasons why your credit score could have gone down, including a recent late or missed payment, an application for new credit or a change to your credit limit or usage. The most important information to understand about credit is the factors that go into your scores. Payment history has the biggest impact on your score ...Traditionally, prostate cancer grades were described according to the Gleason Score, a system named for the pathologist who developed it in the 1960s. Dr. Donald Gleason realized that cancerous cells fall into 5 distinct patterns as they change from normal cells to tumor cells. The cells are graded on a scale of 1 to 5.A credit score is a snapshot of your financial trustworthiness represented as a number. Lenders use this number to help them determine the risk in lending money to you. It is an objective, non-biased lending tool used by lenders to provide you with a faster, fairer, and more consistent response. The Credit Score is made up of six main ...Why Score Meat. Scoring meat before you cook it results in a greater surface area exposed to the heat, leading to more even cooking and encouraging the Maillard reaction. This chemical reaction occurs during cooking and is what leads to an appealing browned crust. With tougher cuts of steak such as flank, scoring the meat severs the long fibers ...More than 1 million individuals share billions of screen recordings using Scre.io. Features. Screen capture of tab, window or the entire desktop. Use your webcam or front-facing camera to record the video. Secure & works offline. Free unlimited video records. Simple and easy to use.Many creditors use FICO® credit scores to assess applicants, manage accounts, and determine rates and terms. A FICO® score is a three-digit number ranging from 300 to 850 (and up to 900 for some industry-specific scores). These scores are largely based on your credit reports (statements generated by the consumer credit reporting bureaus that ....