This incredible creature has large wings, a spiked back and tail. The
spikes on the Skrill's back and tail are sharp enough to cut with the
slightest abrasion, and its an excellent flyer. It also appears to have
shark-like gills on its neck. The Skrill processes a crown of spikes on
its head which nearly all are the same length except the center one. The
Skrill's crown can also be used to give it expression, as it is able to
control them to be pulled back or forward. Its head slightly resembles a
Thunderdrum, and its tail also resembles that of a Deadly Nadder. The proportion of its head, body, and wings are quite close to that of a Flightmare. It apparently resembles a Night Fury in flight and rivals its speed, being only slightly slower. It's the size of a Deadly Nadder, but incredibly fast, comparing speed to size.
When a Skrill is riding lightning, it seems to wrap itself in its
wings and dive down, though this has never been actually proven, nor
the meaning of "riding" lightning. Like the Monstrous Nightmare,
its locomotion on land resembles that of a Pterosaur, using the large
claws on its wings to walk and run on land. However, the Skrill has been
shown to walk and run on its two legs with its wings folded. A new
model in School of Dragons
was made for the Skrill, featuring the Skrill walking on two legs,
instead of its original locomotion. Find more information at Dragon Anatomy.
As with most of the dragons in the dragon manual, it's listed as
being "extremely dangerous" and the manual instructs readers to "kill on
sight". Although it's name was only mentioned.
Behavior
One of the most mysterious and feared species in the Book of Dragons,
the Skrill is aggressive, powerful, and nearly untrainable. It appears
to be almost as feared as the Night Fury, if not more feared. This
reclusive dragon is belligerent and as unpredictable as lightning
strikes. It is very territorial, despite following stormy weather;
Skrills do not breathe fire, instead they channel lightning down their
metallic spines, firing it from their mouths in a show of destructive
blasts. If you find yourself flying through a thunderstorm, watch out!
Despite it's average size, Skrills can give as good as they take, and
they can take a lot.
Abilities
Like all Strike Class dragons, Skrills have blazing speed, extreme intelligence, unique firepower, and are masters of stealth.
Absorbing Electricity
The Skrill is an electrical dragon. It
can absorb and store lightning's electrical energy. Using its metallic
spines, it can channel lightning through its body and fire out
destructive blasts through its mouth. Skrills also have the ability to
direct multiple bolts of lightning, making the dragons greatly feared by
Vikings. They have been known to wrap themselves in their wings (though
this was only shown in the concept art) and ride lightning bolts like
an air torpedo to reach supersonic speeds. These dragons recharge their
lightning from the clouds to be able to gain and increase their shot
limits. It's ability to harness and store electricity gives it a static
field, making your hair stand on end if you get too close. A side effect
of getting hit by the electric blast causes people to talk in
gibberish.
Firepower
Unlike other dragons' fire attacks, where it is a single blast of
some sort, Skrills have the ability to shoot lightning in a long line
over great distance of their unique ability of their electrokinetics,
adding more power to it and more damage to whatever is unlucky enough to
get hit. A strange effect was discovered, that when the Lightning
Blasts of a Skrill's and the Plasma Blasts of a Night Fury's meet head
on, a massive explosion of a plasmatic electrical surge will form and
can knock dragons from the sky.
Ice Hibernation
It was revealed that their hidden ability that their inner body heat,
Skrills could survive being frozen for decades. Dragonpedia states that
once Skrills emerge from being frozen, they will show to be as fierce
as the day they were frozen, as shown when Hiccup and Fishlegs revealed
to Stoick that the Frozen Skrill could still be alive and dangerous, and indeed it was.
Speed and Stealth
The Skrill blending in with the dark clouds
After the Night Fury,
the Skrill is the fastest and most agile flier among dragons. They use
lightning in order to go faster. It is most likely that their
electrokinetics ability gives them an extra energy boost to enhance
their speed even further. The Skrill has a sleek, dark colored body,
which makes it extremely difficult to spot in dark clouds and gloomy,
stormy weather. With the only warning of them being there is the light
given when lightning travels through the clouds and their electrical
outline when it absorbs lightning prior to attack.
Strength
Skrills are very strong for their size. The frozen specimen managed to defeat Stormfly with just one slap of its wings.
Senses
Their senses of vision are shown to be strong enough to see in dark clouds.
Stamina and Endurance
Their stamina could be close to a Night Fury's, as the Frozen Skrill
was able to emerge from hibernation, attack the Rider's dragons, go in
search of food (unsuccessfully) and then engage the Riders in combat
with no pause in between. The Frozen Skrill has shown for his kind to be
able to endure many attacks and still look fine to continue in flight.
How you set Skrill up as a payment method in Upwork depends on
whether or not you already have a Skrill account. If you have a Skrill
account, setting it up as a payment method will be quicker. If you don’t
have a Skrill account, you can link directly to their site from ours
when you set it up. For security purposes, your Skrill payment method
will become active after a four-day waiting period.
In order to get paid, your tax information must be on file. Click here
to complete it. Once that is complete, available funds will be
disbursed according to your payment schedule and you may initiate manual
withdrawals as needed.
The Background
Please note these very important details:
It is vital that you provide your real and confirmable
name, address, birth date, and any other information requested on the
Skrill registration form. Skrill audits your personal information after
you start using your account and they will lock you out if they find a
discrepancy.
Confirm your Skill account and complete any necessary verification process with them before sending them your earnings. You are responsible for making sure that Skrill provides the services you need before you send your money to them. When you get paid, Upwork transfers the money to Skrill and we cannot retrieve it. Only send your earnings from Upwork to Skrill once you know you can access your money after the transfer.
In most cases, your payment transfers immediately.
However, there are rare occasions when it may take up to 24 hours. If it
has been more than 24 hours, contact Support Services.
We recommend setting your primary currency to US dollars on
Skrill to reduce currency conversion fees. This must be set during
account registration and cannot be changed later.
Once you get paid using Skrill, Upwork does not have control
over the funds and cannot reverse the transaction. It is your
responsibility to ensure your vendor account is properly set to handle
the transactions.
The Details
To add Skrill as your payment method:
Click the Settings icon and click Get Paid under User Settings.
Click Add a payment method.
Click the Set Up button for Skrill.
If you already have a Skrill account set up, skip to step 5. If you don't have a Skrill account:
Click the Visit Skrill link and register for a Skrill account with the email address you use on Upwork.
Confirm with Skrill that your country is supported and that
their features and fees are acceptable. Complete account verification
with Skrill and ensure you have a way to access the funds sent to the
account.
Please verify that your Skrill account and your
Upwork account use the same email address. If they match, you can
activate Skrill as your payment method on Upwork. If they don’t match:
Add the email address you use on Upwork to your existing
Skrill account. Make sure you complete the email address verification,
or
Click the Settings icon on any Upwork page to change your email address to match the one on your Skrill account.
Return to Upwork to complete set up.
Choose a payment schedule and click Next. For security reasons, your new payment method will become active in three days.
To edit your Skrill account:
You must make changes directly through Skrill—including adding or changing email addresses or closing the account.
To remove your Skrill payment method:
Click the Settings icon and click Get Paid under User Settings.
Under Payment Methods, find the one you want to remove and click its edit link.
When applying for a home loan with Suncorp Bank, and before we can assess your home loan application, we require that each applicant provide
the following information. This documentation will include details of
your salary, occupation, residential status, assets, and
liabilities. Depending on your circumstances, you may need to provide
all or some of the items listed below. Your lending specialist will
advise on what will apply for your situation.
Credit Score Disclosures
Credit Score Disclosures
We provide a Credit Score Disclosure (CSD) to consumers in connection with an application for a home loan to help you maintain compliance with the Fair and Accurate Credit Transaction Act (FACT Act) and the Risk-Based Pricing Notice requirements. The CSD discloses the credit score, the lender used in connection with the consumer’s loan application and home loan, and the key factors affecting the credit score. It contains contact information for each credit reporting agency used, including the agency name, telephone number and Web site. Custom disclosures are also available to meet your business needs.
Notice to Home Loan Applicants
Additionally, and in accordance with the FACT Act, we provide a Notice to Home Loan Applicants which explains to the consumer what the CSD is and why they’re getting it.
CSD Mailing Services
We offer a turnkey fulfillment and mailing solution that automatically generates and mails a CSD and Notice to Home Loan Applicant to your consumers with each Instant Merge report ordered, helping you comply with consumer notification requirements. Our cost-effective fulfillment service—with daily and flexible mailing turnaround times—ensures that your clients are properly notified as required by the FACT Act.
Product Highlights:
Maintain compliance with the Fair and Accurate Credit Transaction Act (FACT Act)
Maintain compliance with the Risk Based Pricing Notice requirements
Automatically generate notifications with every Instant Merge report
CSD fulfillment options available – electronic and mail
Custom disclosure messaging available
Daily and flexible fulfillment turnaround times
Many mortgage professionals are out of compliance with the FACT Act. Enacted in 2004, FACTA (Fair and Accurate Credit Transaction Act) amended the FCRA, adding many components that affect mortgage brokers and lenders. The overwhelming majority of brokers are either unaware of or confused about one of the key sections. The Notice To Home Loan Applicant requirement (§ 609g) stipulates that when a consumer’s credit score is reviewed in association with a mortgage transaction, the requesting entity (broker or lender) must provide the consumer the “Notice To Home Loan Applicant,” which includes the “Consumer Score Disclosure.” (To see a sample disclosure, click here.)
When you review a borrower’s credit score for mortgage purposes, you must provide the Notice to Home Loan Applicant and Consumer Score Disclosure to the borrower in writing.
Let’s dispel a few common myths regarding the FACTA score disclosure requirement.
The requirement is not based on applications or closings; it is based on obtaining a credit score for mortgage use. This includes simply obtaining a score when conducting a pre-qual conversation that does not result in an application for mortgage.
It does not matter how many bureaus or scores are obtained. If you look at a single credit score, you must still provide the disclosure.
If you run a single bureau score as a pre-qual, then later add additional bureaus/scores to the file, you must provide a second disclosure containing the newly obtained credit scores.
It does not matter that you are only brokering the loan; if you run the consumer’s credit score, you must provide the disclosure.
The FACT Act does not stipulate how the disclosure must be provided so long as it given in writing. Acceptable delivery methods include hand delivery, mail, fax, or courier, and you do not need to keep a copy of the notice or obtain the consumer’s signature to show delivery. Since the issue of the credit score disclosure in cases of credit rescoring is ambiguous in the language of the Act, it is best to provide an additional disclosure each and every time a file is rescored.
Credit Technologies provides three options for handling the consumer disclosure requirement.
1) You can create the required disclosures at any time from the credit file page of any credit report from within the CreditTechnologies.com system. Then print and provide the disclosure to the consumer in person, via fax, mail or courier.
2) At your request, Credit Technologies can append each credit report with a copy of the required disclosure, so it is automatically printed each time you print the credit report.
3) Credit Technologies can automate your consumer disclosure compliance. Our FACTA Certificate Service will generate and issue via first class mail the required disclosure for each applicant on whom you process a credit score. We will also provide a certificate of compliance that can be used to satisfy any lender request, or audit inquiry. To activate automated disclosures on your account, please send your request to CustSvc@CreditTechnologies.com. We will begin issuing the required disclosures, and provide your certificate of compliance the same day.
For more information on automating your FACTA compliance or any other Credit Technologies product or service, please call us toll-free at 800.455.4922. We'll be happy to answer any questions you may have. Not a member yet? - Join Now.
Thank you for considering Credit Technologies.
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