Florida unemployment overpayment glitch - Posted by u/Substantial-Ad2910 - 1 vote and 9 comments

 
State unemployment commissions overpaid more than $12.9 billion in benefits between April 2020 and March 2021, according to the Government Accountability Office's July report. The billions in overpayments are a result of commissions prioritizing the clearing of claims backlogs and ensuring people in need received benefits.. Hannah waddingham net worth

Posted by u/Apprehensive_Scar_12 - 3 votes and 3 commentsNeed reemployment assistance in Florida? Visit the official portal for claimants, employers and agents. Apply, check status, view messages and more.Rushed process, incomplete records. That works out to a 40% overpayment rate, according to the federal data. That would be the third-highest overpayment rate of any state, although the Labor ...The state Department of Economic Opportunity reported Monday that Florida’s unemployment rate decreased to 4.8 percent in January, down 0.3 percentage points from a revised December rate ... Overpayment and recoupment. Fl unemployment system is ridiculous! I lost my job Feb 1st and filed a claim, all good until I check for my first payment and see I owe a balance of 4500 which is more than total of benefits. After going back and forth for months I get an appeals date and the day of I receive a message saying the appeal has been ... BALTIMORE (WBFF) - Dozens of Maryland unemployment claimants tell FOX45 News they need answers from Maryland's Department of Labor after receiving a benefit overpayment notice. One Glen Burnie ...Am I the only one experiencing this issue because after I claimed yesterday for 2 weeks both balances for my extended and pua has been glitching I'm payable for like up to 6-7 payments but isn't telling me it's issues to me and I even called the number it's not saying it's issues to me but the 26$ which was the last ever payment I've gottenPRIVACY ACT STATEMENT Information you provide to this department is voluntary and confidential but is required to process your claim. Pursuant to the Internal Revenue Code of 1986, the Social Security Act, 42 U.S.C. 1320b-7(a)1, and s. 443.091(1)(h), F.S., disclosure of your Social Security number is mandatory.Unemployment Insurance Overpayment Waivers. What is an Overpayment Waiver? The ETA Handbook 401 defines a Waiver as a "non-fraud overpayment for which the state agency, in accordance with state law, officially relinquishes the obligation of the claimant to repay." It further states that a "state may authorize a waiver when or if the overpayment ...Updated March 28, 2024. You may have received an overpayment of unemployment benefits during the pandemic — between Feb. 2, 2020, to Sept. 4, 2021 — but don’t worry. We’re here to help! We want to waive overpayments for people who qualify. And, if you’ve already paid us back, and we waive your overpayment, you’ll likely get a refund!Notification of Overpayment . Your state unemployment office will notify you (typically by mail) if you have been overpaid. The notice will explain the reason you are getting the overpayment notice, how much you owe, penalties (if applicable), information on how to appeal, and instructions on repaying the amount you have been overpaid.“For any federal programs that ended in September 2021, unless EDD can show fraud, they cannot issue any more notices of overpayments.” The amounts in question could range as high as $11,700 ...by NolesDad80. Overpayment Waiver Approved. Now what? I finally got the notice that my waiver was approved but when I look at my account it still says disqualified for all weeks listed for 2021 up to now. Nothing has been changed to eligible. My conclusion is that they are still saying we were overpaid but they are waiving any repayments.The overpayment included funds from Pandemic Unemployment Assistance and from a $600 federal supplement to unemployment insurance. In total, she was told, she would have to pay back nearly $8,000 ...Week ending date: 4/18/2020. Gross amount payable: $875. Net amount payable: $247. Weekly overpayment amount: $275 Week ending date: 4/25/2020. Gross amount payable: $875. Net amount payable: $247. Weekly overpayment amount: $275 Week ending date: 5/2/2020. Gross amoutn payable: $875. Net amount payable: $247. Weekly overpayment amount: $275Lillian Lagares of Kissimmee still cannot believe the Florida Department of Economic Opportunity asked her to reimburse a staggering $21,200 in state and fed...It is for this reason, in addition to others, that the parties would be well-served to retain counsel at the telephonic appeal hearing stage of the unemployment compensation process. Employee Representation. It's important to have a lawyer on your side for an unemployment hearing. Contact Gallup Auerbach in Hollywood, Florida at 954-889-5125.To speak to a Creole or Spanish speaker or use translation services, call the Customer Service Contact Center: 1-833-FL-APPLY (1-833-352-7759) Mon. - Fri. 8:00 a.m. - 6:30 p.m. People who need assistance filing a claim online because of legal reasons, computer illiteracy, language barriers, or disabilities may call: 1-833-FL-APPLY (1-833-352-7759).TALLAHASSEE, Fla. – Today, at the direction of Governor Ron DeSantis, the Florida Department of Economic Opportunity (DEO) submitted a request to Florida’s Chief Financial Officer, Jimmy Patronis, to indefinitely defer all referrals to collection agencies for all non-fraudulent debts owed by claimants for state Reemployment Assistance benefits …Overpayments. If you received an overpayment for Reemployment assistance benefits between March 1, 2020 and September 4, 2021, through no fault of your own, the State …Ok guys so for some reason I logged in this morning and have a $375 overpayment. Then there is a determination saying I'm in-eligible for PUA. However I'm still showing eligible in my monetary determination. It's asking me for a fact finding. If I wait to do the fact finding can I just claim my last PUA weeks?Repay your Reemployment Assistance Benefit Overpayment. Community Partnerships. Office of Community Partnerships; Community Planning Department of Florida Commerce. Claimant Information . First Name: Last Name: Address 1: Address 2: (Optional) "It's easy to say it's a computer glitch. Fix it!" ... Some Floridians struggling with unemployment 'overpayments' Florida residents sue DeSantis, DEO after losing weekly $300 federal ...1. Print and complete the repayment form. 2. Make check/money order payable to Unemployment Compensation Trust Fund. 3. Mail check/money order and completed coupon to Benefit Payment Control, P. O. Drawer 5050, Tallahassee, Fl 32314-5050. Payment by credit card: You may use your credit card free of charge by clicking here.The Department has also begun issuing the overpayment waiver form for any claimants with existing PUA and PEUC overpayments. The overpayment waiver will be available for FPUC, LWA, and MEUC programs soon. ‼️The overpayment waiver does not apply for claimants receiving state Reemployment Assistance‼️. The following criteria must be …My over payment was directly from when I was first getting regular UI. (The first 12 weeks) There was a mistake in the computer system depending on when you applied that people were awarded 14 weeks. If a pandemic wasn’t going on in Florida you would only get 12 weeks of unemployment and nothing else. The rep said that they once they found ...Call the DEO phone number: 1 (800) 204-2418. Wait for spiel of general info. Once options start being read, press 1. You'll be prompted to enter your Claimant ID. You'll then be prompted to enter your pin. Press 6. Press 5. Press 2. You'll be prompted to enter your SSN. Overpayment and recoupment. Fl unemployment system is ridiculous! I lost my job Feb 1st and filed a claim, all good until I check for my first payment and see I owe a balance of 4500 which is more than total of benefits. After going back and forth for months I get an appeals date and the day of I receive a message saying the appeal has been ... If you cannot repay the overpayment in full, you may request a repayment plan or complete a Request for Waiver of Overpayment by logging in to your UI Online account or by calling the DUA Benefits Collection Department at 626-6300. A Request for Waiver of Overpayment does not replace the appeals process.First Coast News reported in June that people who are finding jobs are still stuck in the unemployment maze because of overpayments. During the pandemic when millions of Floridians needed...The state Department of Economic Opportunity reported Monday that Florida’s unemployment rate decreased to 4.8 percent in January, down 0.3 percentage points from a revised December rate ...Can't really help applying for unemployment again when you've been unemployed since April of 2020 and don't qualify for UI, the system is so glitchy and inefficient as is. I imagine people trying to reapply when they obviously don't qualify isn't helping things much for anyone who has issues with their unemployment right now.After selecting the "Issued Date," you will be prompted to complete the Overpayment Waiver form. Answer all the required questions on the fact-finding form. Then click "Submit.". You will have six months to complete the form once it is issued in your CONNECT account. item will no longer be on the list of inbox items.Unemployment overpayment is dischargeable. Even though this is a debt owed to a government agency, it is erased by a bankruptcy discharge. But, just like with any other debt, if the creditor (in this case the unemployment office) feels that you intentionally misled the agency so you could continue to receive unemployment benefits, they can ...Step 5. Present your evidence to the administrative law judge in charge of unemployment appeals at the date and time the unemployment department selected. If you can prove you didn't receive any funds for which you didn't qualify, your appeal will be honored. If you received funds for which you weren't entitled, even if it was because of the ...Generally, your federal tax refund cannot be garnished for private debts owed. However, if you owe money for back child support payments, unpaid federal student loans, unemployment...A request for waiver is available for non-fraud overpayments of benefits for Pandemic Unemployment Assistance (PUA), Pandemic Emergency Unemployment Compensation (PEUC), and Federal Pandemic Unemployment Compensation (FPUC).. A waiver is a request to "waive" your non-fraud overpayment. You can request a waiver if you are unable to pay back the overpayment due to financial hardship.A form 49-T is a courtesy form providing claimants with a receipt of repayment that provides the amount paid to a Reemployment Assistance overpayment in a specific tax year. A 49-T form is not provided for the 2020, 2021, 2022, or 2023 tax years. Any repayments to the Department through check or credit card can be used for your record keeping.1. Visit FloridaJobs.org and select "Claimants" in the top right corner of the page or click RA Account to directly. access it from this guide. Claimants under the age of 18 must call the Florida Reemployment Assistance Customer Service Center at 1-833-FL-APPLY (1-833- 352-7759) for assistance and to file for benefits. 2.Overpayments. If you received an overpayment for Reemployment Assistance benefits between March 1, 2020, and September 4, 2021, through no fault of your own, the state of Florida is not referring overpayments to collection agencies to ensure claimants do not experience adverse impacts to their credit scores.We also provide assistance to people who are unable to file a claim for various reasons. To speak to a Creole or Spanish speaker or use translation services, call the Customer Service Contact Center: 1-833-FL-APPLY (1-833-352-7759) Mon. - Fri. 8:00 a.m. - 6:30 p.m. People who need assistance filing a claim online because of legal reasons ...Staff shortages and a rush to distribute funds generated confusion and mistakes, resulting in unemployment benefit overpayments to thousands of Alabamians. Now, the state wants its money back.First Coast News reported in June that people who are finding jobs are still stuck in the unemployment maze because of overpayments. During the pandemic when millions of Floridians needed...A: Repayment must be made in full. If you are unable to repay the full amount in one payment, you immediately must contact the Benefit Payment Control Unit, (804) 786-8593, to arrange a repayment installment plan. Repayment of an overpayment may affect the amount of benefits on which you are required to pay taxes.The Department has also begun issuing the overpayment waiver form for any claimants with existing PUA and PEUC overpayments. The overpayment waiver will be available for FPUC, LWA, and MEUC programs soon. ‼️The overpayment waiver does not apply for claimants receiving state Reemployment Assistance‼️. The following criteria must be …4.8K subscribers in the FloridaUnemployment community. A place for users of Florida's unemployment/reemployment assistance program to share…The subreddit all about the world's longest running annual international televised song competition, the Eurovision Song Contest! Subscribe to keep yourself updated with all the latest developments regarding the Eurovision Song Contest, the Junior Eurovision Song Contest, national selections, and all things Eurovision.Overpayments. If you received an overpayment for Reemployment assistance benefits between March 1, 2020 and September 4, 2021, through no fault of your own, the State …We also provide assistance to people who are unable to file a claim for various reasons. To speak to a Creole or Spanish speaker or use translation services, call the Customer Service Contact Center: 1-833-FL-APPLY (1-833-352-7759) Mon. - Fri. 8:00 a.m. - 6:30 p.m. People who need assistance filing a claim online because of legal reasons ...Am I the only one experiencing this issue because after I claimed yesterday for 2 weeks both balances for my extended and pua has been glitching I'm payable for like up to 6-7 payments but isn't telling me it's issues to me and I even called the number it's not saying it's issues to me but the 26$ which was the last ever payment I've gottenLearn about overpayments for state and federal unemployment benefits in Florida and how to appeal or repay them. Find out how to request a waiver for …Ohio sent out $1.7 billion in overpayments between March 2020 and now. If claimants fail to ask for a waiver, the state collection process will go forward, a spokesman said. That means future ...Florida FPUC overpayment waiver eligibility . Hello reddit new here. I received employment assistance last year and was wondering since the every week I received FPUC along side apparently. Can I use this form the the weeks I was unaware of the deposit? Did I have to be on PUA? I just got an email from DEO.TALLAHASSEE, Fla. – Today, at the direction of Governor Ron DeSantis, the Florida Department of Economic Opportunity (DEO) submitted a request to Florida’s Chief Financial Officer, Jimmy Patronis, to indefinitely defer all referrals to collection agencies for all non-fraudulent debts owed by claimants for state Reemployment Assistance benefits owed for weeks beginning March 1, 2020 ...13 votes, 10 comments. they say they overpaid me but how am i supposed to know when i was over paid i dont remember when i got paid also the…Some Floridians struggling with unemployment 'overpayments' Florida residents sue DeSantis, DEO after losing weekly $300 federal unemployment benefits Florida's unemployment site hacked ...You will be disqualified from receiving unemployment insurance benefits for one year. You may be prosecuted for a Class 1 Felony and face a fine and up to 12 months in prison. If the overpayment is more than $400, you may be prosecuted. However, there are options for a payment plan. Read more about overpayment and fraud here.Apr 26, 2021 · After selecting the “Issued Date,” you will be prompted to complete the Overpayment Waiver form. Answer all the required questions on the fact-finding form. Then click “Submit.”. You will have six months to complete the form once it is issued in your CONNECT account. item will no longer be on the list of inbox items. What to do if this happens to you. 1. File an appeal or overpayment waiver with your state. UI isn't a one-size-fits-all program. Each state has a different way of administering and handling ...You can make a payment by phone by calling 1-800-909-9904. You may make a payment by sending a check or money order to: PO Box 4069 Tallahassee, FL 32315. Please make payments payable to the FL Department of Children and Families. Please also send the top portion of your billing statement with your payment so the payment can be properly ...and last updated 3:25 PM, Apr 02, 2021. TAMPA, Fla. — A move last year to help people out of work get paid unemployment benefits more quickly could backfire for potentially hundreds of thousands ...I don't need to update the unemployment rate, it is correct. When the adjustment was made, they incorrectly added a very large overpayment that doesn't actually exist. I cannot apply this overpayment to future returns as it is a fictitious overpayment created in QuickBooks. We never actually overpaid.Loading...After selecting the “Issued Date,” you will be prompted to complete the Overpayment Waiver form. Answer all the required questions on the fact-finding form. Then click “Submit.”. You will have six months to complete the form once it is issued in your CONNECT account. item will no longer be on the list of inbox items.Many Floridians who received unemployment benefits are now asked to return the money by the state agency. The overpayment may be caused by a technical glitch or backdated claims, according to some advocates and lawmakers.FLORIDA — Many unemployment claimants have contacted Spectrum News about facing extremely long wait times when trying to contact the Department of …To report suspected fraud or abuse of Florida's Reemployment Assistance Program, call the fraud hotline at 800-342-9909 or submit the information online at the Report Fraud link on the bottom of the floridajobs.org homepage. Background Several years ago, the Florida Legislature rebranded the Florida Unemployment Compensation Program as theoverpayment? Yes No Page 1 of 2 DOC ID: CID: PO BOX 5250 ·TALLAHASSEE·FL 32314 -5250 www.floridajobs.org c ~|000000000000000000000000000000|~ FLORIDA DEPARTMENT OF ECONOMIC OPPORTUNITY REEMPLOYMENT ASSISTANCE PROGRAM PO BOX 5250 TALLAHASSEE, FL 32314-5250 CLAIMANT ID: CLAIM ID: 202003The state overpaid roughly $96 million in unemployment benefits between January and September last year, or about 2% of all the benefits paid out. In its May letter to state workforce agencies, the U.S. Department of Labor describes two circumstances under which states may process "blanket waivers.". The first scenario is when an individual ...Public records the I-Team obtained from the Florida Lottery reveal between Jan. 1, 2022 and Jan. 31, 2023, 9,804 winners received a "potential outstanding owed debt alert." More than 7,400, 75% of ...Anyone else that has the overpayment glitch or an overpayment after reapplying for UI for BYE. I'm on PEUC2 and just did and saw the message to disregard any overpayment etc but I really don't feel comfortable about it. It says disregard but also should we disregard, it makes no sense for one thing.“We’re required by state and federal law to issue the overpayments,” Florida DEO Secretary Dane Eagle said, “but what we could do within state law is …Overpayments may be created as a result of an ineligibility notice. When FloridaCommerce determines an overpayment has occurred on a Reemployment Assistance claim because a claimant is determined ineligible, a Notice of Disqualification will be distributed based on the claimant’s correspondence preference. The Notice of Disqualification will ...A celebrity or professional pretending to be amateur usually under disguise. The video has to be an activity that the person is known for. For example, a professional tennis player pretending to be an amateur tennis player or a famous singer smurfing as an unknown singer.443.151 Procedure concerning claims.—. (1) POSTING OF INFORMATION. (a) Each employer must post and maintain in places readily accessible to individuals in her or his employ printed statements concerning benefit rights, claims for benefits, and other matters relating to the administration of this chapter as the Department of Economic ...It could take up to 1 year though for states to issue the refund. The Dept of Labor issued UIPL 20-21 to address overpayments created under the CARES Act. It states: …"the state must refund any amounts that were collected towards the applicable overpayment prior to the determination of waiver eligibility."Rushed process, incomplete records. That works out to a 40% overpayment rate, according to the federal data. That would be the third-highest overpayment rate of any state, although the Labor ...Aug 6, 2020 · A new glitch in Florida's troubled unemployment system is showing many jobless residents owe the state money. Five months after the start of the coronavirus pandemic, Floridians are still filing ... Today I received a letter from Colorado DUI Saying that I owe over 7000 dollars (due immediately) in overpaid unemployment benefits with no reason for overpayment listed. I received unemployment for a brief period in the early months of Covid, but that was two years ago and it was nowhere near 7000.Florida Governor Ron DeSantis directed the Florida DEO to indefinitely suspend the collection of reemployment assistance overpayments, just days after Better Call Behnken reported on residents who ...I paid it through an offset with my unemployment benefits, and I qualified for more benefits after my original claim ended. The tricky thing is that the appeals person said he didn't have access to any records but then stated that he saw that I had an unpaid overpayment and I asked him to show me but his defense was to point out that nothing showed In the system that I paid an overpayment.<style>.screen-layout{display:none;} body{background:none;background-color:white}</style><div> <div id='jsDisabledHeader' style='color:blue;text-align:center;margin ...Some Floridians struggling with unemployment ‘overpayments’ Florida residents sue DeSantis, DEO after losing weekly $300 federal unemployment benefits; Florida’s unemployment site hacked ...Overpayments can result from claimants not reporting new earnings. The Division of Employment Security (DES) conducts a benefit payment control program to detect and prevent improper payment (overpayment) of unemployment benefits. The primary means of detecting overpayments are crossmatches with new hire data and quarterly wages reported for claimants by employers.Jun 8, 2020 · Virginia is another state with overpayment problems. In May, the Virginia Employment Commission notified about 35,000 self-employed people they were overpaid between $600 and $1,200, money that ... 1. Print and complete the repayment form. 2. Make check/money order payable to Unemployment Compensation Trust Fund. 3. Mail check/money order and completed coupon to Benefit Payment Control, P. O. Drawer 5050, Tallahassee, Fl 32314-5050. Payment by credit card: You may use your credit card free of charge by clicking here.Unemployment Overpayment Waiver for ALL non-fraudulent claims. Federal rules required states to collect overpaid unemployment benefits. However in a recent petition California, New York, Texas and Florida joined all states, in urging the federal government to relax federal mandates and waive overpayments when the …An overpayment occurs when you are paid unemployment insurance benefits you are not entitled to receive. A Notice of Overpayment is mailed to you when an overpayment is established. The notice lists the reason for the overpayment, the section of law that covers the overpayment and the weeks overpaid. There are two types of overpayments:Jan 18, 2020 Rating: how do I appeal for fraud accusation? by: Anonymous I collected unemployment benefit from North Dakota,and after i got a job i continued collecting benefit for 2 weeks, but stopped as soon as i got my first pay checks, i received a letter stating I owe overpayment of $1,168,which was deducted from my recent claims for 2 weeks.Now I received another letter accusing me of ...Robert Cornwell is grateful for the unemployment money he received after he lost his job due to the pandemic, but now he fears Florida’s Department of Economic Opportunity is damaging his fin…

This means claimants will have to submit multiple federal overpayment waiver request forms for multiple programs for the same weeks of unemployment. FPUC benefit payments in the amount of $600 were provided to eligible claimants for the weeks of unemployment between March 29, 2020 through the week ending July 25, 2020.. Organized crossword clue 5 letters

florida unemployment overpayment glitch

You can call (617) 626-6800 to have a Request for a Waiver of Overpayment application mailed to you. You can apply for a waiver of overpayment at any time. If you apply for a waiver, we will not take action to collect on your overpayment until we make a decision on your waiver request.Jun 8, 2020 · Virginia is another state with overpayment problems. In May, the Virginia Employment Commission notified about 35,000 self-employed people they were overpaid between $600 and $1,200, money that ... Overpayment: Benefits received for which an individual is found to have been ineligible. Overpayment Amount: The sum of the overpayment. Overpayment Balance: Balance of an overpayment remaining to be repaid or recouped. Pandemic Emergency Unemployment Compensation (PEUC): Temporary federal program during the COVID-19 pandemic.Anyone else that has the overpayment glitch or an overpayment after reapplying for UI for BYE. I'm on PEUC2 and just did and saw the message to disregard any overpayment etc but I really don't feel comfortable about it. It says disregard but also should we disregard, it makes no sense for one thing.Florida Department of Revenue. Refund Process. PO Box 6490. Tallahassee, FL 32314-6490. Fax number: 850-410-2526. Note: Reemployment tax overpayments are automatically refunded. If you have questions or are due a reemployment tax refund, contact the Department's Refund Process at 850-617-8585.The Connect website says, "The Department of Economic Opportunity has suspended the requirement to provide work search contacts beginning the week of March 15, 2020 through the week ending December 5, 2020."Overpayment; Procedure; Reasonable Efforts; Separation; Suitable Work; Total or Partial Unemployment; Voluntary Quit; Wage Credits; Workers' Compensation; Florida …“We’re required by state and federal law to issue the overpayments,” Florida DEO Secretary Dane Eagle said, “but what we could do within state law is …Because the state is lead by republicans. The system is "working" as intended. Confusing, hard to file, prone to errors and the benefits are pathetic. What she said, RIck scott actually created it to be so bad that people would give up, allowing them to show low unemployment numbers. $275/wk is a joke anyway. Exactly.An overpayment of unemployment benefits occurs when the DEO discovers that a recipient received more benefits than they were entitled to. The reasons for overpayment can range from clerical errors to fraudulent activities by the recipient. ... A Florida Unemployment Appeal Lawyer can help by representing the recipient in the …Unemployment overpayment is dischargeable. Even though this is a debt owed to a government agency, it is erased by a bankruptcy discharge. But, just like with any other debt, if the creditor (in this case the unemployment office) feels that you intentionally misled the agency so you could continue to receive unemployment benefits, they can ...Overpayment. These are triggering words for people trying to claim their unemployment benefits in Florida. It’s another round of issues system-wide. ... Brito explains the glitch in the CONNECT ...By Josh Rojas Tampa. PUBLISHED 5:27 AM ET Sep. 27, 2021. PASCO COUNTY, Fla. — A Pasco woman said she got an overpayment letter from the Department of Economic Opportunity stating she owed the ...Step 1: Report the Fraudulent Claim to the Nevada ESD. The first step is to report the fraudulent claim to the Nevada Employment Security Division (ESD). You can do this through their website or over the phone. Providing as much detail as possible will help the ESD investigate the fraudulent claim.By Josh Rojas Tampa. PUBLISHED 5:27 AM ET Sep. 27, 2021. PASCO COUNTY, Fla. — A Pasco woman said she got an overpayment letter from the Department of Economic Opportunity stating she owed the ...Below is a table detailing the amount of any overpayment for weeks that occur from 05/30/2021 through 10/01/2021. This determination might have caused an overpayment during this time period. In order to preserve your right to appeal, you must contest all determinations you dispute in accordance with the Appeal Rights included.Offsets. If you receive an unemployment overpayment and still receive unemployment benefits, the agency usually offsets future benefit payments until you repay the entire balance due. Depending on the laws of the state, you may also owe penalties and fees, such as interest on the overdue portion of your unemployment benefits.If you received an overpayment for Reemployment Assistance benefits between March 1, 2020, and September 4, 2021, through no fault of your own, the state of Florida is not referring overpayments to collection agencies to ensure claimants do not experience adverse impacts to their credit scores..

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