Hey y’all I posted yesterday about the student aid website still says 9k but aidavantage says $280 and I was curious on if I had to pay it. Well I checked today and both sites say $0!!! I got my email may 2nd!! Hope to see them gone on my credit report soon!! I’m seriously so happy!!!!!

Need to do a background check but feeling overwhelmed by all the options? I've been down this rabbit hole and emerged (hopefully) saner on the other side. I’ve scoured all the reddit posts on this topic and also the articles out there on Google and have finalized the best background check sites.
TL;DR: BeenVerified.com or TruthFinder.com are the top picks.

5 Best Background Check Sites

BeenVerified - Best Background Check Site Overall

Pricing:
BeenVerified offers different subscription plans: 1 month and three-month plans. All plans include a 7-day trial and allow you to run 100 reports per month.

• The 1-month plan costs $29.99 per month
• The 3-month plan costs $58.48, which is $19.49 per month

BeenVerified is an online background check platform offering quick access to public records, typically delivering results within minutes. It prioritizes user privacy with advanced encryption and does not share or sell information. While some find its reports less detailed than competitors', BeenVerified is still reliable and user-friendly. Membership is required, with discounted three-month prepaid subscriptions for long-term users.
Pros:

• Available on Android and iOS
• Discounts for three-month prepaid subscriptions
• Access to a variety of data sources

Cons:

• Less detailed reports compared to TruthFinder, Intelius
• No option for a single search

Features

• Quick and simple data collection on individuals
• Reverse phone number lookup, email search, checks on public records, criminal history, and social media accounts
• BeenVerified has an intuitive interface
• All features are conveniently accessible

Customer Service
BeenVerified’s customer support can be reached via the toll-free number 1-844-823-2869 from Monday to Sunday, 6:00 a.m. to 11:30 p.m. EST, or by emailing support@beenverified.com. These multiple contact options help establish BeenVerified as one of the top background check sites.

TruthFinder - Best for Value of Money

Pricing:

• People Search Plan: $28.33 per month; bi-monthly plan available at $23.52 per month ($47.03 upfront), includes all features and unlimited searches
• Reverse Phone Lookup Plan: $4.99 per month, provides unlimited phone reports
• Reverse Email Lookup Plan: $29.73 per month, offers unlimited searches and additional details related to email addresses​

TruthFinder is a reliable background check service providing detailed reports on individuals' criminal history, personal facts, and contact information, usually within minutes. Report delivery time varies based on the accuracy of provided information, record availability, and search complexity. Subscribers get unlimited monthly reports and can use mobile apps for on-the-go searches.
Pros:

• Unlimited reports with a subscription
• Reports may include deep web information
• Available Android and iOS apps

Cons:

• No free version is available
• Extra charges for PDF downloads
• Limited to use within the United States

Features

• Provides reverse telephone number searches, email lookups, and dark web scans for added security
• User-friendly interface allows for quick generation of reports and access to up-to-date information
• Ensures user privacy by adhering to strict data protection regulations

Customer Service
Contact TruthFinder's customer support from Monday to Friday, 7 a.m. to 4 p.m. Pacific Time, by calling (855) 921-3711 or by emailing help@truthfinder.com.

Intelius - Best Public Record Source

Pricing:

• People Search: Monthly ($25.11/mo) or Bi-Monthly ($21.35/mo)
• Reverse Phone Lookup + People Search: 5-Day Trial ($0.95) then $35.3/mo
• Address Lookup: 7-Day Trial ($0.95) then $34.95/mo

In addition to these plans, Intelius also offers a number of add-on services, such as:

• Downloadable Report Files ($3.99)
• Intelius Identity Protect (Monthly: $9.95/mo, Yearly: $119.40/yr)

Intelius, a trusted background check provider since 2003, offers quick and unlimited searches with reliable reports on criminal and traffic offenses, and geographic information. It ensures user privacy with 256-bit encryption and confidential searches, accessing millions of public records for comprehensive results. Known for its user-friendly interface and mobile app, Intelius prioritizes convenience and privacy while delivering valuable information.
Pros:

• Variety of subscription plans and pricing options
• Extensive sources of public records
• High-quality Android and iOS mobile apps
• Quick search results
• Simple-to-use interface

Cons:

• Pricing can be confusing
• Limited customer service hours
• Occasional incomplete reports

Features

• Reverse address lookup, reverse phone search, and email search
• Provides access to public records and documents such as birth records, death records, marriage licenses, and property deeds

Customer Service
You can reach customer service by calling the toll-free hotline at (877) 564-3253, available Monday to Friday from 10 AM to 7 PM Eastern Time. Alternatively, you can contact the customer service department by emailing support@mailer.intelius.com.

Instant Checkmate - Best for Ease of Use

Pricing:

• Person Reports cost $35.47 per month for a one-month membership and $28.38 per month for a three-month membership.
• Phone Reports cost $5.99 per month. Instant Checkmate also offers a number of add-on services, including downloadable report files for $3.99 and dark web monitoring for $1.99 per month.

Instant Checkmate is known for reliable results and user-friendly features, including a smartphone app and social media search function. It provides thorough reports, though there might be some delays during preparation. A monthly subscription is required, with no individual report purchases. The service allows searches of public records, including possible arrest records and criminal histories, completing most searches within minutes and presenting information clearly. Users can receive immediate alerts for updated data.
Pros:

• Detailed reporting
• Simple-to-use service
• User-friendly Android app

Cons:

• No option to purchase individual reports
• Reports may take some time to load

Features

• Reverse phone search and email search tools to gather information about unknown contacts
• Provides clear and detailed reports covering employment & education history, and social media activity
• Accessible via a web browser or mobile app

Customer Service

Customers can reach support by calling the toll-free hotline at (877) 564-3003 from Monday to Friday, between 7 AM and 4 PM Pacific Time. For assistance, you can also email help@instantcheckmate.com, and a representative will respond as soon as possible.

PeopleLooker - Best for Quick Results

Pricing:

• 1-month membership, run up to 100 reports for $23.99
• 3-month membership, run up to 100 reports per month at $19.19 per month

PeopleLooker is an online platform compiling detailed information from public records, social media, and directories, offering services like reverse phone number lookup and email search subscription plans, address searches, and background checks. Its user-friendly interface helps users find contact information, Criminal and traffic records, and other details. Accuracy may vary, so verifying critical information is recommended.
Pros:

• Comprehensive search reports
• Outstanding customer service
• Includes searches for social media and genealogy
• User-friendly interface

Cons:

• No option for single reports
• Not recognized as an consumer reporting agency
• Desktop version has fewer features than the mobile app

Features

• Quick background check using a name, address, phone number, email address
• Access publicly available information with ease

Customer Service
PeopleLooker's customer service can be reached via phone, email address, or ticket from Monday to Sunday, 6 a.m. to 11:30 p.m. EST. They offer a resource hub on their site for common issues and FAQs, ensuring top-notch service and swift issue resolution. Their knowledgeable representatives assist with billing, account management, and technical support. PeopleLooker's strong privacy policy and commitment to client anonymity contribute to its reputation as a leading background check service.
DISCLAIMER: You may not use any of these services or the information it provides to make decisions about consumer credit, employment, insurance, tenant screening, or any other purpose that would require FCRA compliance. Instant Checkmate does not provide consumer reports and is not a consumer reporting agency. (These terms have special meanings under the Fair Credit Reporting Act, 15 USC 1681 et seq., ("FCRA"), which are incorporated herein by reference.)"
Here's a table to help you compare prices:
Background Check Service1-Month MembershipBi-Monthly Membership3-Month Membership BeenVerified$29.99-$58.48 TruthFinder $28.33$47.03- Intelius$25.11$42.69- Instant Checkmate$35.47-$85.14 PeopleLooker $23.99-$57.57

My husband and I just got our conditional offer accepted for a $760k property. We only have a down payment of 10%. Our combined income is $225k with one dependent. Credit scores at 750 and 840. We have no large debts, apart from a credit card in my name with 1k limit, which I usually use for anything and would pay off every pay day. No student loans.
The thing is, I used Laybuy a lot. I have closed all my buy now, pay later accounts which I think will show on the credit report as inactive anyway, but my bank account will show a number of purchases through Laybuy with the last one just being in April.
I am also notorious with takeaways, but to my defense, I never missed a bill payment, and I only spend what I have left after all essentials are paid. I know I am not the greatest at budget control hence why I let my husband handle our finances and I never requested for a credit limit over 1k.
I am now overthinking this and given that we noted 15 working days as a finance condition on our offer, I’m wondering if I messed up our chances of getting approved :(
I have been told by some friends that they literally stopped spending for three months prior to home loan application—is this really the case?

Hi everyone, in between mortgage offer and closing, will the bank's final pull of my credit report show credit card activity, or just the statement value?
My statement period runs until the 10th of the month - if I pay off the balance the week before, will the bank see that I've used it, or are they only interested in the statement balance?

Around 16 years ago, our family home flooded, along with many others on our estate. It made local news soon after that there was a faulty / poorly installed culvert which the council were responsible for. At the time of the flood, my family all took pictures of the devastation.
A few days ago, there was a piece in the local BBC news reporting further delays to the culvert repair. The area has flooded several times over the intervening few years, however we have moved away (although not far - just that estate). The reason I noticed the piece, however, is that the photograph had been taken from my bedroom by my Mother. The photo was credited to the local council. It soon transpired this had happened on multiple occasions with the stories linked as ‘related’.
I contacted both the BBC and the council to explain that they had no rights to the photograph and that this was a breach of my Mother’s copyright as the ‘original owner’ of the photograph.
The BBC have come back to me, apologised, blamed the council, and offered me £100 as a goodwill gesture for the upset, and removed the photo. Fair, I think, as the photo was supplied by the council.
The council, however, have made no reply. Is there any point in pursuing this with the council - or should I cut my losses? I have since noticed that the same photo has been used by the local online press beyond BBC, so the council have been spreading it far and wide, with each ‘share’ constituting a further breach of copyright.
Any advice / guidance appreciated!

Hi all, I have been lurking on this subreddit for a while and thought I would leave my views on an LLC service I have been using for the last few years; Northwest Registered Agent.
I think maybe this one goes under the radar a little compared to some of the other names with bigger marketing budgets. Maybe I am wrong.
Anyway, let's start with who they are.
Headquartered in Spokane, Washington, Northwest Registered Agent is primarily an LLC formation service. With operational offices throughout all 50 states they have quite the presence. They have been around for over 20 years and have a well-established reputation within the industry.
Actually, I'll jump to something I saw on the website: The Northwest Registered Agent Guarantee.
Basically, Northwest offers a 100% Error-Free Guarantee:
“We form hundreds of LLCs every day, and each filing is backed by our 100% error-free guarantee. Although extremely rare, in the 20 years we’ve been in business, we’ve learned that mistakes do happen. Should an error occur, we’ll file every amendment required to make sure your company information is accurate (at no cost to you).”
I've not had to call upon this, but it is reassuring to know that I can if anything goes wrong.
Okay, let's run through exactly what the service offers:

Services provided by Northwest Registered Agent

LLC Formation:
For a fee of $39 plus the state fee, Northwest facilitates the creation of LLCs, including checking name availability and filing the necessary paperwork with the state government, typically known as the Articles of Organization (or similar titles in certain states).
This fee also covers the provision of free Registered Agent service for the first year. Additionally, Northwest provides complementary services such as Annual Report reminders, mail scanning and uploading, and lifetime customer support with each order.
Pricing for LLC Formation
For LLC formation, Northwest Registered Agent charges:

• LLC Formation: $39 plus the state fee
• Registered Agent Service: Free for the first year, then $125 per year
• Address Privacy: Provided for free

(Head to this page at Northwest for details of any latest offers)
Registered Agent Service:
Northwest offers Registered Agent service free of charge for the first year when hired for LLC formation. Subsequently, the service renews at $125 per year. A Registered Agent accepts legal mail (Service of Process) and state notices on behalf of an LLC.
Federal Tax ID Number (EIN):
For $50, Northwest can obtain an Employer Identification Number (EIN) from the IRS for clients with a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). For non-U.S. residents without an SSN or ITIN, the fee for obtaining an EIN is $200.
LLC Operating Agreement:
Northwest provides LLC Operating Agreements, which detail ownership percentages and management structure, for $50.
Additional Services:
Northwest offers various additional services, including obtaining a Certificate of Good Standing for $50, necessary for registering an LLC as a Foreign LLC in another state, and providing Certified Copies for $60, required in certain states for the same purpose.
They also offer a free trial for a business phone number, with a renewal fee of $9 per month if the service is continued.
Furthermore, Northwest assists in setting up merchant accounts for credit card processing, with pricing dependent on transaction volume.

Pros and Cons of Northwest Registered Agent

I don't want to turn this into a mega review, I started this post actually want to highlight the fact Northwest have been pretty damn good for my LLC needs.
Here's the some of the pros and cons all the same...
Pros of Northwest Registered Agent:

• Private Address: Northwest Registered Agent offers the advantage of keeping your address off public records, a feature exclusive to their service.
• Customer Support: Their customer support is highly regarded, providing assistance for any inquiries you may have.
• Competitive Pricing: Northwest Registered Agent offers reasonable prices, with potential discounts available such as the LLCU discount.
• Established Reputation: With over 20 years in business, Northwest Registered Agent brings a wealth of experience to their services.
• Data Privacy: Unlike many competitors, Northwest Registered Agent does not sell customer data, prioritizing the protection of client information.
• Strategic Locations: They have offices strategically located in states with publication requirements like Arizona, New York, and Nebraska, potentially saving clients money on compliance.

Cons of Northwest Registered Agent:

• Pricing: While Northwest Registered Agent may not be the most budget-friendly option, quality service understandably comes at a slightly higher cost. Having said that, there is a low priced option without frills if you still want to use them.

It's worth noting that in comparisons with other LLC filing companies, Northwest Registered Agent consistently performs well, with no significant bad reviews that I have managed to find.

Overall Thoughts

Overall, strong customer service and expertise in the industry is probably the main reason to choose Northwest Registered Agent.
They also prioritize client privacy by keeping addresses off public records and refraining from selling data to third parties.
I have to say, after my own experience of using Northwest Registered Agent for my LLC I can confidently recommend their services. It's been enough for me to step to write this put it that way. :)
If you have used them too, have an opinion or want to ask me any questions, feel free to leave them below or DM me.
Cheers guys...

Relevant Information

Core Services
Northwest Registered Agent provides the following core services:

• LLC Formation Service
• Registered Agent Service
• Address Privacy (keeping your address off public record)
• Lifetime Customer Support
• Annual Report Reminders
• Online Document Dashboard

Additional Services
Additionally, Northwest offers the following extra services:

• EIN Number Acquisition
• Annual Report Service
• Operating Agreements
• Virtual Office Service
• S-Corp Election Assistance
• Mail Forwarding Service
• Foreign Qualification Support
• Legal Forms Provision
• Legal Services (specifically in Utah)
• Incorporation Services

(For full disclosure, I have used an affiliate link to Northwest in this post.)

Trying to figure out the best way to build credit at least for the usage part. I know you should have under 30% utilization reported.
I currently have 3 cards and whenever I use them I pay off everything except about $10 before my statement closes. So on my report my usage is $10 per card. However I noticed that this is technically a 0% usage since it’s <1%
It this okay to keep doing? Or should I try to report something like 5% usage? Or does this not really matter if it’s under 30%?

Went to the App Store today to update and saw the rating at 4.9 stars which was a bit unusual for me because it was definitely lower before. Did some research and ended up here. I’ve seen a lot of posts regarding reviews being boted and genuine ones being removed, along with A LOT of you guys refunding. But iOS users seemed to have trouble refunding? As someone who’s been F2P all my life I’ve put something close to 200$ into this game. Im somewhat glad I haven’t bought anything this season, however I feel like I’m no longer competitive, going from top 50 (S7 unfortunately) to top 40% without spending is really demotivating especially with these nerfed rewards. I’m seeing serious repercussions like possibly getting your appleid banned or only getting partial 2% refunds for refunding. Along with your reviews being deleted, I don’t feel the same way about this game like I did when breaking my f2p cycle to spend here. I’ve lost my trust and sticking around a little longer to see how receptive the game is to its community. I’m going to give this game a second chance but in the meantime I would like to learn about the following.
How would I go about reporting the fake and removed reviews? How would I go about refunding since I’m on a iOS device without being rejected like the many others? Do I call my bank or reach out to Apple support first or both. Would this affect my credit history, ability to play other games, or ability to purchase anything in the future? Sorry for the dumb questions I’m a bit new to this whole situation and a bit embarrassed to ask elsewhere for now. Obviously I can just call support and ask; however, I want your perspectives before I take my next steps.

With the rapid development of residential energy storage in Europe, it has emerged as a key player in the realm of energy transformation. On one hand, the imperative of transitioning to renewable energy sources is undeniable. On the other hand, certain regions grapple with weak grid infrastructure, intensifying the demand for localized residential storage solutions. As the industry matures, accompanied by declining raw material costs, the prices of residential storage systems are starting to decline. Simultaneously, the burgeoning demand for Energy Storage Systems (ESS) suggests ample room for further market penetration.
Moreover, residential energy storage products primarily cater to consumers (To C), necessitating a competitive edge in product quality, brand recognition, and distribution channels to ensure sustained profitability.
In 2022, the energy storage industry witnessed a meteoric rise, evolving from its nascent stages. By 2023, however, demand tapered off amidst shifting policies and inventory dynamics. Now, in 2024, the trajectory of the residential energy storage sector is poised to be influenced by a multitude of factors, including sustained policy support, product innovation, channel optimization, dwindling inventory levels, and declining interest rates. The forthcoming discussion will delve into the anticipated future of the industry, drawing insights from the experiences of international energy storage enterprises.
SolarEdge:
SolarEdge dominates the European market, offering cost-effective products that pose a challenge for our enterprises to match. Renowned as a top player in solar and storage inverters across Europe and the United States, SolarEdge boasts a market share that reigns supreme in both regions.
Established in Delaware in 2006, SolarEdge experienced rapid growth through strategic collaborations, notably with Tesla SolarCity from 2013 to 2015, culminating in its NASDAQ listing in 2015. The 2017 mandate by the United States NEC requiring solar PV systems to integrate Module Level Power Electronics (MLPE) with rapid shutdown functionality played to SolarEdge's strengths, enabling the company to swiftly expand its market share.
According to data from Wood Mackenzie, SolarEdge secured the 7th position in global inverter shipments in 2022, firmly establishing its dominance in European and American markets.
SolarEdge's product portfolio encompasses a diverse range of offerings, including solar and storage inverters, energy storage systems, uninterruptible power supplies, electric vehicle charging stations, and integrated solar and energy storage solutions. These solutions cater to various sectors, spanning from residential and commercial to utility-scale ground-mounted power installations.
In 2023, SolarEdge introduced the SolarEdge One software, marking a significant expansion into the realm of virtual power plants. Through sophisticated algorithms, this software facilitates new energy power trading, empowering customers with advanced solar and energy storage solutions. By bridging the gap between software and hardware, SolarEdge continues to bolster its product ecosystem, solidifying its position as a leading provider of comprehensive new energy solutions.
With a strong focus on customer collaboration, technological mastery, and leveraging the benefits of U.S. trade policies, SolarEdge has consistently excelled.
The first phase, starting in 2013, saw SolarEdge achieve rapid revenue growth through strategic partnerships, notably with Tesla SolarCity. During this period, the company experienced a remarkable compound annual growth rate of 83.7% from 2013 to 2016.
In 2017, the introduction of stringent safety regulations by the U.S. NEC mandated the use of Module Level Power Electronics (MLPE) with rapid shutdown capabilities in PV systems, rendering traditional string inverters obsolete for residential energy storage solutions. SolarEdge, with its mastery of the requisite technology, swiftly capitalized on this shift, rapidly expanding its market share and witnessing substantial revenue growth in 2018 and 2019.
The third phase unfolded in 2018 with the imposition of 10% tariffs on Chinese PV inverters under U.S. trade policies. SolarEdge benefited from these trade barriers. Subsequently, in May 2019, tariffs were increased to 25%, prompting Huawei's withdrawal from the U.S. inverter market. Despite the overall growth of the new energy industry, SolarEdge experienced a revenue decline in 2023, attributed to the industry-wide destocking process.
Reports indicate that market demand in Europe and the U.S. was disrupted by high interest rates and policy uncertainties. In 2023, SolarEdge's revenue from its inverter, optimizer, and backup battery businesses reached $1.37 billion, $900 million, and $380 million respectively. This represented a 20.8% increase, a 20.5% decline, and an 11.8% decrease from the previous year. Furthermore, sales figures stood at 1.013 million sets, 17.4 million sets, and 744 MWh, marking declines of 0.8%, 26.6%, and 2.2% respectively compared to the previous year. The unit prices were recorded at USD 1,356 per set, USD 52 per set, and USD 0.51 per kWh respectively.
The substantial decline in optimizer sales can be attributed to the superiority of micro-inverter solutions over optimizer and string solutions in meeting the stringent MLPE requirements set forth by the NEC for rapid shutdown functionality.
In 2023, the company's photovoltaic business revenue in the European and U.S. markets amounted to $1.81 billion and $760 million, respectively. This represented a 15.8% increase in Europe but a significant 35.9% decline in the U.S. compared to the previous year. While the beginning of 2023 saw some relief in the industrial chain situation, the European market initially experienced rapid growth despite a slowdown. However, the latter half of the year was marred by high interest rates and policy uncertainties in countries such as the Netherlands, Belgium, and Italy, resulting in a substantial contraction in market demand. Although the company's revenue from the European market maintained modest growth, the growth rate declined by 55% compared to the previous month. Similar trends were observed in the U.S. market, exacerbated by the transition of California's NEM 2.0 policy to 3.0, which created a vacuum in the demand for distributed PV storage.
In 2023, the European and American market demand was significantly affected by uncertain policies, with expectations for gradual recovery in 2024. Throughout the year, power optimizer shipments fluctuated, reaching 6.4 million, 5.5 million, 3.3 million, and 2.2 million sets from Q1 to Q4 respectively. Inverter shipments followed a similar pattern, with 330000, 335000, 274000 and 74000 units shipped during the same period. Energy storage battery pack shipments also varied, with 221 MWh, 269 MWh, 121 MWh, and 133 MWh recorded from Q1 to Q4 respectively. However, in the latter half of 2023, impacted by lower demand and high inventory, SolarEdge's shipments experienced a sharp decline compared to the previous month.
Looking ahead to 2024, several developments are anticipated in the following regions:

1. Germany: Expectations are that certain tariff caps will be lifted in 2024, resulting in higher electricity prices in the country. Consequently, the return on investment (ROI) for photovoltaic (PV) installations is projected to increase, fueling continued growth in residential PV installations.
2. Austria: It is anticipated that the value-added tax (VAT) on PV power generation, introduced at the beginning of 2024, will be repealed.
3. Netherlands: The uncertainty stemming from the 2023 election and the changing net metering policy led to a sharp decline in PV installations in Q4. Recent decisions by the Dutch Senate indicate a potential sustainability of net metering, prompting optimistic market responses in the future.

Enphase:
Anticipated shifts in demand are on the horizon as the second quarter of 2024 draws to a close.
Enphase stands as the undisputed global leader in microinverters, spearheading advancements in solar, energy storage, and charging solutions. Founded in 2006 in Delaware, Enphase revolutionized the market by introducing the world's first microinverter, the M175. In 2011, Enphase embarked on a global expansion strategy, penetrating the MLPE market in Europe, Australia, and other regions, culminating in its listing on the NASDAQ in 2012.
Leveraging its pioneering status in the MLPE sector, Enphase has continually enhanced its microinverter products, elevating power output from 175W in the first generation to 550W in the eighth generation. The latest iteration of inverters boasts additional features such as split-phase grid connection and off-grid capability. As a result, Enphase commands a market share exceeding 70%, firmly establishing itself as the industry leader.
Building on its expertise in microinverter technology, Enphase embarked on a series of strategic mergers and acquisitions, consolidating businesses in energy storage, electric vehicle charging infrastructure, and cloud services to develop comprehensive solar and storage solutions for households.
In 2016, Enphase introduced its inaugural residential storage product, marking its entry into the energy storage sector. By the close of 2020, the company unveiled the IQ Battery residential storage system, expanding its product portfolio to encompass residential energy storage solutions. Enphase IQ Batteries operate on low-voltage DC power, mitigating the risks associated with high-voltage DC power and enhancing system safety and efficiency.
In 2021, Enphase ventured into the electric vehicle charging infrastructure market with the acquisition of ClipperCreek. The following year, the acquisition of GreenCom positioned Enphase as a leading provider of home solar, energy storage, and charging system solutions, bolstering its offering with Internet of Things (IoT) solutions.
Thanks to favorable policies, expanded channels, and enhanced product competitiveness, Enphase has experienced rapid revenue growth since 2019.
On one hand, Enphase has reaped the benefits of supportive policies such as the NEC 2017 mandate requiring residential PV systems to integrate Module Level Power Electronics (MLPE), driving demand for the company's microinverters. Additionally, the 301 tariff prompted Huawei's exit from the U.S. inverter market in 2019. Furthermore, the IRC's gradual reduction of the Investment Tax Credit (ITC) subsidy from 2019 onward stimulated PV market growth. The introduction of the IRA in 2022, alongside the extension of the Advanced Manufacturing Production Tax Credit (AMPTC) and Advanced Energy Project Investment Tax Credit (AEPITC) subsidies, has had a significant impact. These subsidies, extended to 2032 and 2030 respectively, have bolstered Enphase's microinverter production.
In terms of channel expansion, Enphase's acquisition of SunPower's subsidiary in 2018 solidified its position as the exclusive supplier. Moreover, strategic partnerships with Sunrun, LG, Panasonic, Solaria, and GRID Alternatives have further expanded its reach and market presence.
Regarding product development, Enphase has concentrated on promoting its IQ 7 and IQ 8 series microinverters since 2019. With conversion efficiencies of up to 97.5%, these inverters cater to a broader range of solar panel installations. Additionally, the higher power range of Enphase's inverters ensures compatibility with solar panels in various regions, while the company's commitment to efficient after-sales service has reduced average waiting times to less than one minute.
By the latter half of 2023, Enphase faced increased pressure in both the US and European markets due to weakened demand for energy storage and high inventory levels.
In the US market, the transition to NEM 3.0 and elevated interest rates dampened investor confidence in residential solar storage investments. As per the company's investor communications, revenue from the US market dropped by 16% and 35% in the third and fourth quarters of 2023 respectively, compared to the previous quarters. Notably, the California market experienced a sharper decline, with Enphase's microinverter sales falling by 25% and 27% in Q3 and Q4 respectively, while non-California markets remained relatively stable.
In Europe, the anticipated demand recovery in the latter half of 2023 fell short of expectations, exacerbating distributor inventory backlogs. Enphase's top three European markets—Netherlands, France, and Germany—faced distinct challenges. The Netherlands saw hesitancy among users awaiting the removal of the net metering program, while seasonality impacted the French market, and the German market grappled with feed-in tariff reductions. Consequently, market demand and shipments related to residential PV in major European countries all experienced declines.
According to Enphase's investor communication disclosures, microinverter shipments in 2023 were as follows: 4.8 million units in Q1, 5.2 million units in Q2, 3.9 million units in Q3, and 1.6 million units in Q4. Additionally, battery shipments totaled 102.0 MWh, 82.3 MWh, 86.0 MWh, and 80.7 MWh from Q1 to Q4 in 2023 respectively. However, in the latter half of 2023, microinverter shipments experienced a sharp decline due to weak demand and inventory accumulation. Enphase estimates that channel inventory will normalize by the end of Q2 in 2024, with shipments expected to increase again in Q3. Conversely, battery sales, buoyed by NEM 3.0, continue to rise.
Currently, the European market shows signs of recovery, while the California market is anticipated to gradually improve. The Dutch parliament recently confirmed that net metering policy will remain unchanged in the short term, and electricity costs have increased in France and Germany. Consequently, it is expected that the company's business will reach its nadir in the first quarter of 2024. In the United States, non-California markets are poised for swift recovery after interest rate fluctuations. However, the California market's recovery may take several quarters due to the transition from NEM 2.0 to NEM 3.0. Nevertheless, given the high electricity costs, the integration of solar and energy storage offers a higher return on investment under NEM 3.0, leading to a gradual recovery in market demand.

"Asking for a friend after recent opinions showed me a different way to deal with these crooks."
They've used dabble on and off for over 6 months. provided all verification upon sign-up and has lost quite a bit since then, withdrawn various amounts but significantly in the red all-time. Never had an issue previously but they've paid out all withdrawals prior, withdrew $515 overnight and woke up in the morning to this:
This is a courtesy email in regards to your account. We are needing to further verify your account, as part of our Advance Customer Due Diligence in relation to accounts with Dabble.
We need you to verify the following:
Asking for sensitive info such as full bank statements, pictures of all credit/debit cards/passport/medicare/ID all with selfies while holding them.
After back and forth they've sent this as the right to withholding winnings.

12. Fraud

12.1 We reserve the right to withhold deposited funds and/or winnings from settled bets should we determine that a deposit or withdrawal has been made fraudulently. Any matters of inappropriate or fraudulent use of any deposit method will be reported to the relevant authority. Your Account may also be closed. 12.2 Dabble Sports may employ third party technologies to track and store technical information on the device that Customers choose to use. Customers accept that this data may be used to reach decisions on investigations where Accounts have been operated in a manner which is contrary to these Rules or applicable laws, including but not limited to Account takeover, bonus or betting abuse, multiple Account operations, and payment fraud. 12.3 Dabble Sports reserves the right to close the Accounts of, and void any or all bets made by any person, group of people or corporation in an attempt to defraud Dabble Sports. 12.4 Dabble Sports may periodically review Accounts to monitor any activity that it might consider unusual. Dabble Sports reserves the right to suspend an Account pending an investigation, without notice. 12.5 Dabble Sports does not permit beneficial owners that are not the registered account holder, or any arrangements or schemes that do or may facilitate this. Where we reasonably suspect a third party beneficial owner, we reserve the right to close the Account and/or void any resulted or pending bets on your Account.12. Fraud
Just wanted to get some clarity about this, is this even enforceable? How can you claim fraud after 6 months of account usage?
TLDR : Blocked account and withdrawal requesting sensitive info, now citing fraud when questioned about it
What does everyone here think? I've suggested my opinions but i'm not a lawyer let alone trained in anything.

This is kind of a weird situation so I apologize for the length. A few years ago I was put in a terrible spot financially. I won’t go into the story because it doesn’t matter. I fucked up and I own what I did. Not proud of it at all and I still feel terrible about it to this day.
I couldn’t make payments in this apartment complex anymore. In January 2022 there was an eviction warning on my door. I knew I needed to leave where I was at so I moved in with a friend a few hours away. I never dodged them. I was in active communication the whole time trying to work out a way to pay off what I owed. After a month they stopped responding. I sent another email and got nothing back. I called, no one answered, and their voicemail box was full. I decided to wait. Around April they sent me another email stating that if I didn’t pay in full they would follow through with an eviction. I explained that I not only moved out, but I’m trying to pay back what I owed and I was already working it out. I got nothing back.
They sent an email in May, but I never opened it because it was under a different name (they were now under new management and I’m just now finding this out. Massive complex owned by a big corporation) and probably thought it was spam. I don’t remember. I had their original email address flagged for importance. My lease was up in June and they sent me another email that I again didn’t open for the same reason about move out. They then sent an email in September with the total I owed from November 21 to May 22 that I also didn’t open, and in January of 2023 I received a call from a collection agency in regards to these missed payments. I was ready to pay assuming there was a court case I had just missed for not being there. I would’ve shown up, but I never received any documentation for it. They had all my new contact info, address, etc. I was amazed from how much it was because I was expecting at most 4 months rent, not 7.
Flash forward to now and I’m applying for apartments. I’m honest and tell them I’ve been evicted as well as why and what I’ve done to right my wrongs. They want me to apply anyway because I make 6x’s the rent and when I’m denied it’s because of my credit. They run an eviction check and there’s nothing there. No court records, judgments, anything. Just this collection account that’s considered credit. Again I apply and the same thing happens at a different place. I decide to screen myself and sure enough there’s no eviction. I check for my name in every court within that county, then my state, nationally. I pull my housing records. Run a background check and it’s all saying I’ve never been evicted nor are there any mentions of me in civil court.
Did they not follow through, considered everything to be missed payments post move out, and sent it off to a debt collection agency? The agency is legit so I’m not worried there. I was never provided any court notice other than that warning either and the emails I didn’t see. Puts me in weird spot because I want to be honest when applying but once this collection is paid they’re removing it from my report so I don’t know what to say anymore. If there’s no record what am I supposed to do? I feel like I’m missing something or I’ve been lying to myself.

Went on clearscore today cause I was bored and I noticed that it said zilch will be added into my credit report.
I did have a zilch account at some point although I cancelled it early into last year.
I do not have a zilch account anymore and tbh wouldn't touch that product again.
What should I do to fix this?

Hey all, I’ve been watching Caleb since his first youtube video almost 2 years ago. I’ve come to the conclusion that chapter 7 bankruptcy is for me. I’m in need of a new bank and I’m interested in the Fizz card I’m worried about hie that will affect my bankruptcy process though since it shows up on my credit report as a line of credit. Should I look into different bank/card or will this not make a difference in my bankruptcy process?

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Around the date I opened my Chase Prime Visa card, I have two hard inquiries for Experian and two in Transunions. 1 is for “Jpmcb card”in both bureaus. And the other 1 is “Jpmcb card services” in both bureaus.
No I did not ask for a CLI. Also, my actual Experian credit report just shows the single chase hard inquiry. So what’s with what I’m seeing here? I was just scouring the credit wise thing Cap 1 has and noticed this. They’re all spread out across the month of May too. Just seems weird/off

Start Date/End Date: 4/19/24 - 05/13/24 (~3 Weeks)
Study Time: 10-20 Hours
Coaching Report
Overview:
As many of you probably will, I took this class immediately after D426. I thought I was gonna finish this class much quicker than I did. Most of the reason it took me longer was due to unrelated things occurring in my life, but I digress. If D426 is the "why' behind SQL, this class is the "how." The exam is 25 questions long and more than half of those questions will have you actually writing SQL statements. This was a big adjustment because when studying for D426, I didn't do any labs. Writing SQL statements was something that took a while to "click," but when it did, things got a lot easier. Knowing when to use quotes, parentheses, and commas was my main issue.
Studying:
I recommend using the Chapter 7 and Chapter 8 labs in Zybooks. If you need to, you can also read over Chapters 1 & 2, but the labs should be your main focus. These labs are very similar to the questions in the Pre-Assesment, which was similar to the Objective assessment. When I first did these labs, I would look over the corresponding lesson and try to answer them on my own. 9/10 times, my statement was wrong. I then checked this quizlet for the correct statements (since Zybooks won't tell you). I would review it and try and figure out why their statement was correct and why mine was wrong. I went over all the labs at least 3-4 times before taking the Pre-Assesment. Once I took the Pre-Assesment, I used ChatGPT to get the correct answers for the questions I missed (since once again, you can't see what the right answers are). Be aware that in my experience, there are a couple of questions on the PA (and probably even the OA) where you can answer the question 100% correctly but still be marked wrong because you didn't do it the way they wanted you to. This is my biggest issue with this class and I really hope this gets fixed.
Exam:
As for the exam, my biggest piece of advice is to run a second statement to check your answers. If you have a question where you need to create a table, add columns, or update data types and need to review the Columns/Data types, run a second statement where you type
DESCRIBE table_name
If you have a question where you're inserting/changing/updating rows & values and want to see the data within a table, run a second statement where you type.
SELECT *
FROM table_name
You can also do this before and after your initial statement to ensure that the data actually changed. If you do this, MAKE SURE TO DELETE THE SECOND STATEMENT AFTER TESTING IT. I also ran my code again after deleting it just to be safe. If you don't delete your statement, the question will probably be marked entirely wrong. Also, don't worry about this taking up your time, you get like 4 hours for this exam.
In addition to what's in the labs, you should how to write different aggregate functions (Min, Max, Sum, etc.) and how to delete a table entirely. There are also multiple-choice questions, but it's probably less than 10. If you passed D426, these shouldn't be a huge deal. They'll probably be similar to the ones that appeared on the PA.
Conclusion: I actually grew to sort of enjoy writing SQL statements after this class. However, the questions can be very tedious and I don't believe there is much partial credit. You have to be very careful not to make any typos and to answer the question how you think they want you to answer it. I think this class would work far better as a Performance-Assesment rather than an objective one. Something where you have to create a project in SQL would be much more enjoyable in my opinion. But as of right now, as long as you review and understand the labs and Pre-assessment, you should be able to pass this one.

Hey everyone so I wanted to lease the civic sport but my credit score isn’t that great (620) few days back I went to the dealership and ran my credit report explained my situation and he only gave me 2 options.
Either co-sign with my parents (I cannot do this) Put at least 30% of the down payment of the vehicle (I don’t have this much budget)
I understand that credit score is very important for leasing but I don’t know what to do, does going to another dealer would help? the sales guy said that getting a $0 down lease deal (I haven’t taken any home or auto loan this is would be my first one if I want to) would be impossible.
The sales guy said that one of the ways to get monthly around my budget (my budget is $350) is put $3499 down and with taxes and all will come down to $320 to $350 per month and this is with co-sign on top, not sure if he’s trying to lure or something.
Any advise would be appreciated.

Lately I've been having trouble with some WW app functions. I didn't realize this till yesterday but I had cancelled the card used to charge my WW monthly $10 bill due to possible fraud. Anyways, I'm finding it a bit of a challenge adding another credit card. I signed up for one of those 10 months automatic payment jobs and wondering what would happen if a new card doesn't get added. Would the account go to collections or worst, reported to a collection agency. Has anyone else ever had this happen to you? I really don't mind paying but at the same time feel frustrated with the way WW app is acting. It does ask if I want to cancel now (it would be like 5 months away). I know I don't want to be charged full price after that.

I was entry level separated from basic training in early march of last year. I took an ambulance ride to a hospital and it wasn’t billed to TriCare. I recently got my credit report and it says I have a $2000 bill in collections for an ambulance ride I took while in basic. Anyone know how I can get this resolved? I was never given a CAC or anything like that, and I don’t have any kind of ID # from back then.