Tag: Better

Better Business Bureau: Trump Lied About Our Ratings #personal #business #cards

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Better Business Bureau: Trump Lied About Our Ratings

The Council of Better Business Bureaus is calling out Donald Trump for what appears to have been a brazen effort to mislead the Fox News hosts who moderated last week’s Republican presidential debate, as well as the millions of Americans who tuned in to watch last Thursday night.

During the debate, the moderators and Trump’s opponent, Florida Sen. Marco Rubio, brought up the subject of Trump University, a now-defunct business that Trump established to sell supposedly educational courses and seminars on entrepreneurship. Trump University is currently being sued for fraud by numerous former students, who said that they were pressured to take on debt to pay for tens of thousands of dollars in fees and that the company did not deliver the type of educational experience it promised.

Related: Trump Numbers Are Falling – How Far Can They Go?

On stage last week, Trump angrily challenged criticism of Trump University, insisting that the organization had a “98 percent” approval rating among its students.

But it was when Rubio brought up the company’s D- grade from the Better Business Bureau that Trump really started to get creative.

He conceded that at one point the company did have a D- rating from the Better Business Bureau, but he said the rating was poor only because Trump University hadn’t bothered to submit data to the BBB. He insisted that the grade was subsequently “elevated to an A” once the data was supplied.

“The only reason that is was a D was because we didn’t care — we didn’t give them the information. ” Trump said. “When they got the information it became an A.”

Related: Here’s Why Donald Trump’s Lies May Be Good for U.S. Politics

During a commercial break, Trump was given a fax from his staff, which he handed to Fox moderator Bret Baier. He later posted the document on Facebook. It appeared to be a BBB Business Review giving Trump University (actually, Trump Entrepreneur Initiative, after a 2011 name change) an A grade.

At least one news organization reported, at the time, that the document appeared to have been faxed to the Fox News set by the BBB itself.

On Tuesday, the Council of Better Business Bureaus issued a detailed statement setting the record straight.

“BBB did not send a document of any kind to the Republican debate site last Thursday evening,” it read. “The document presented to debate moderators did not come from BBB that night.”

It continued, “Trump University does not currently have an A rating with BBB. The BBB Business Review for this company has continually been “No Rating” since September 2015. Prior to that, it fluctuated between D- and A+. The document posted on social media on Thursday night was not a current BBB Business Review of Trump University. It appeared to be part of a Business Review from 2014.”

Related: Irony Alert: Trump Is Upset that Ted Cruz Is Lying

More damning, though, was the BBB’s account of how Trump University’s rating went from a D- to an A. The BBB said that, despite Trump’s claims to the contrary, the rating was never increased as a result of new information received from the company.

What happened is that as Trump University failed as a business, it stopped attracting new students, and with no new students, there were no more complaints filed to the BBB.

“During the period when Trump University appeared to be active in the marketplace, BBB received multiple customer complaints about this business,” the statement said. “These complaints affected the Trump University BBB rating, which was as low as D- in 2010. As the company appeared to be winding down, after 2013, no new complaints were reported.

“Complaints over three years old automatically rolled off of the Business Review, according to BBB policy. As a result, over time, Trump University’s BBB rating went to an A in July 2014 and then to an A+ in January 2015.”

Related: Trump’s Net Worth Isn’t His Only Claim That’s Fake

In other words, Trump was lying about Trump University’s rating on national television, and even provided misleading documentary evidence in real time to help him make his case.

In a sane campaign season, this sort of thing would be utterly disqualifying, but whether it will have much effect on Trump’s core support is doubtful. The billionaire’s supporters have proven remarkably immune to factual arguments about Trump’s obvious deficiencies as a candidate, and uninterested in proof that he frequently lies to them .





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Better business finance – business finance support: Home #business #plan

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The appeals process is monitored and scrutinised by an Independent External Reviewer Professor Russel Griggs OBE, and his team of auditors. He produces quarterly and annual report on its effectiveness as well as areas for improvement

Independent appeals

If your application for business finance is turned down, you can launch an appeal to have the decision reviewed. You can also appeal if you are unhappy with the conditions attached to a lending facility agreed with your bank.

Santander Case Study – Isabella Oliver

Online retail business Isabella Oliver is a global leader for stylish maternity fashion, selling to over 150 countries worldwide.
Read the case study

Help for your business

Business Account Finder Overview

If you’re a business, club, society or charitable organisation, the Business Account Finder helps you to find up-to date information on the UK banking market. Read more

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mentorsme.co.uk helps small and medium-sized businesses quickly and easily find a mentoring organisation that matches their requirements. Read more





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Better Business Bureau fires back at Donald Trump #profitable #businesses

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POLITICO

The Better Business Bureau says Trump University only received top ratings because it had already begun winding down, and there was little for anyone to complain about — though Donald Trump s campaign begs to differ. | AP Photo

Better Business Bureau fires back at Trump

03/08/16 12:29 PM EST

The Better Business Bureau fired back Tuesday at Donald Trump’s numerous claims surrounding its ratings for his defunct Trump University business venture, issuing a point-by-point breakdown seeking to set the record straight. For one, it said, the business does not currently hold an A rating with the agency.

In its joint statement, the Council of Better Business Bureaus and the local BBB that represents metropolitan New York, referred to the institution as Trump University rather than its later moniker, Trump Entrepreneur Initiative, noting that it has not had a rating since September 2015. The rating for the venture fluctuated between D- and A+ over the course of the last several years.

Pointing to its reporting and rating retention period of three years, the agency noted that Trump University’s rating was as low as D- in 2010, as well as the fact that as Trump U wound down operations in 2013, it received no additional complaints.

Complaints over three years old automatically rolled off of the Business Review, according to BBB policy, the statement continued. As a result, over time, Trump University’s BBB rating went to an A in July 2014 and then to an A+ in January 2015.

In other words, Trump University only received top ratings because it had already begun winding down, and there was little for anyone to complain about — though the Trump campaign begs to differ.

They gave the program a rating and they admit that the rating was an A+, Trump spokeswoman Hope Hicks told POLITICO in an email. Any lower ratings were given prior to the submission of documentation and other applicable paperwork. Once submitted, the program was awarded an even higher rating than previously shared.

As it had asserted last week. BBB also disputed Trump’s claim that the agency faxed a copy of Trump University ratings during last Thursday’s debate in Detroit. It also shot down the document Trump posted following the debate on social media, which it said was not a current document.

It appeared to be part of a Business Review from 2014, the agency said in its statement.

BBB also said it has never accredited Trump University.

The agency’s statement comes amid two separate lawsuits against the organization, in New York and California.

A federal appeals court on March 1 declined to toss out one of those lawsuits, a $40 million fraud case against Trump brought by New York Attorney General Eric Schneiderman.

“We look forward to demonstrating in a court of law that Donald Trump and his sham for-profit college defrauded more than 5,000 consumers out of millions of dollars,” Schneiderman said in a statement.

Trump has downplayed the lawsuit, saying it was peanuts and insisting he could easily have settled it, but didn’t want to set a precedent.

He’s also accused Schneiderman of doing the bidding of his campaign donors, a charge the attorney general has called false.

“This is a case about fraud. If you’re talking about someone who you’re looking at to be president, I think the issue of credibility is very important,” Schneiderman said on CNN last week. ”If you tell people we’re going to teach you Donald Trump secrets, and he’s never had any part of writing the curriculum — that’s fraud.

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What s the Better Buy: a Consumer or a Business Laptop? #small #business #owners

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What s the Better Buy: a Consumer or a Business Laptop?

Laptop makers such as Dell, HP, and Lenovo carefully label and target their laptops for either “business users” or “home users,” which implies that they’ve done their homework for you and selected the best models for your type of usage.

But even if you’ll be using the laptop in your living room rather than during board meetings, should you skip shopping in the business laptop department altogether? The answer is, well, it depends.

I compared similarly configured consumer and business laptop offerings from several major laptop vendors, and found several good reasons for home users to consider business laptops–including more configuration options and better warranties.

But it isn’t always a cut-and-dried decision. Here’s what you need to keep in mind when selecting your next laptop.

Six Reasons to Consider a Business Laptop

Lenovo’s ThinkPad T420 business laptop. Better durability and build quality: Business laptops are designed to take a beating, literally in some cases. Lenovo’s ThinkPad line of business laptops are military-spec-tested to endure heat, humidity, pressure, shock, and other extremes so that the laptops can survive anything business travelers and outdoor workers toss at them. (Seriously, Lenovo testers even throw laptops out of airplanes .)

The company’s IdeaPad consumer laptops don’t get that same extreme treatment, because regular laptop users supposedly don’t torture their laptops as much.

Even if you don’t plan on working in severe conditions, a business laptop’s more rugged design may help you get more long-lasting value out of your laptop, thanks to the use of premium materials. The HP ProBook 4530s laptop for professionals, for example, might look quite similar to the silver HP Pavilion dv6t in the consumer line, but the ProBook 4530s is constructed of “high-strength precision-formed aluminum” while the dv6 simply has a metallic finish. The ProBook’s aluminum is deeply anodized to be scratch-, smudge-, and wear-resistant.

The Asus U36S, a high-end consumer laptop. However, high-end materials have started to show up in premium consumer ultraportable laptops, such as the Asus U36S. which has a magnesium-aluminum alloy cover. But business laptops generally are still constructed and tested to be tougher.

For instance, Asus reinforces its business-oriented B23E laptop with metal hinges and metal brackets to cushion the hard drive, and tests both the hinges and the panels beyond consumer standards. Here’s some information on how Asus tests .

And the Dell E6520 not only has a spill-resistant keyboard (a protective seal guards against everyday spills), it also comes with a 360-degree bumper around the LCD panel, and even its latch is made of a zinc alloy for durability.

More build-to-order options: You’ll find many preconfigured laptop models to choose from in the home/consumer site of any major laptop manufacturer, but if you want to fine-tune a laptop’s specifications to a greater extent, head to the business side.

For example, with the entertainment-focused Lenovo IdeaPad Y470. you can select from consumer models with Intel Core i3, i5, or i7 processors and different memory and hard-drive capacities. But your customization options for those models are limited to adding on more years to the warranty or selecting laptop accessories.

Select the business-oriented Lenovo ThinkPad T420 model, on the other hand, and you can opt for a higher-resolution display, swap in a discrete graphics card, upgrade the hard drive, add a fingerprint reader, and much more–at additional cost, of course.

Longer warranties and better support: If you want more protection for your laptop, business laptop warranties typically trump consumer ones. The Toshiba, Dell, and Asus business laptops I looked at, for example, came with standard three-year warranties, versus a one-year warranty on the consumer models.

The ThinkPad was configurable for up to a four-year warranty, while the IdeaPad warranty only went up to three years. Each year of additional protection and support is worth between $50 and $100 dollars, and gives you more peace of mind should your laptop break down beyond a one-year period.

Priority service is also sometimes available to owners of business laptops, whether or not you use it for business purposes. HP EliteBook buyers, for example, will soon be getting their own dedicated tech support person to talk to.

Additional security built in: Because lost business laptops are a huge liability and concern for business owners and IT departments, security features that consumer laptops don’t get are practically standard here. All of the business laptops I looked at offer at least the option to add a fingerprint reader, and many come with TPM (Trusted Platform Module) Embedded Security chips to encrypt your laptop’s data. HP touts its own suite of security tools (“ProtectTools”) that promises to wipe your drive remotely, shred files, check credentials on boot-up, and more.

More expansion and connectivity options: Want to quickly plug in or unplug your laptop from an external monitor and the many peripherals you own? A business laptop is more likely to have a matching docking station or port replicator, perhaps because business users are more likely to want a setup both at the office and at home, or because they need quick connectivity if they travel often.

Matte screens: Finally, consumer laptops tend to come with glossy displays that may show vibrant colors but also are subject to terrible glare. Business laptops generally have antiglare displays or at least antiglare options. These screens are easier on the eyes, easier to view outdoors, and have better viewing angles.

Next: Four Reasons to Buy a Consumer Laptop

What s the Better Buy: a Consumer or a.





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Better Business Bureau: Trump Lied About Trump University Rating #dog #walking #business

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Better Business Bureau: Trump Lied About Trump University Rating

The Better Business Bureau on Tuesday briskly refuted a number of statements that Republican presidential candidate Donald Trump has made about Trump University, the now-defunct real estate seminar provider that many students allege was a scam.

In last Thursday’s Republican debate, the candidate defended Trump University despite the multiple lawsuits brought by former students and the state of New York.

Challenged by Fox News moderator Megyn Kelly about Trump University’s D-minus rating from the Better Business Bureau, Trump said that “right now it is an A.”

During a commercial break, Trump was caught on camera presenting the debate hosts with a piece of paper that he said showed that rating. “The Better Business Bureau just sent it,” Trump can be heard telling Fox News moderator Bret Baier. “This just came in, we just got it.”

“The BBB did not send a document of any kind to the Republican debate site last Thursday evening,” the nonprofit organization said on Tuesday. “The document presented to debate moderators did not come from BBB that night.”

As to Trump’s basic claim, the watchdog group said, “Trump University does not currently have an A rating with BBB. The BBB Business Review for this company has continually been ‘No Rating’ since September 2015. Prior to that, it fluctuated between D- and A+.”

Following the debate on Thursday, Trump tweeted what he said was the official A rating for the Trump Entrepreneur Initiative, a later name for Trump University.

On Tuesday, the Better Business Bureau said, “The document posted on social media on Thursday night was not a current BBB Business Review of Trump University. It appeared to be part of a Business Review from 2014.”

Furthermore, the nonprofit stated, “Trump University has never been a BBB Accredited Business. The document handed to the debate moderators on Thursday night could not have been an actual ‘Better Business Bureau accreditation notice’ for this business.”

Here’s the current review of the Trump Entrepreneur Initiative.

Better Business Bureau

Not only did the Better Business Bureau refute Trump’s claims about Trump University’s current grade; it also refuted his claim that the enterprise has “a 98 percent approval rating from the people who took the course [because] people like it. many did tremendously well, and made a lot of money.”

Here’s how the bureau tells it: “During the period when Trump University appeared to be active in the marketplace, BBB received multiple customer complaints about this business. These complaints affected the Trump University BBB rating, which was as low as D- in 2010.”

How did it ever have an A rating?

The company closed in 2011, and after that, the Better Business Bureau said, “no new complaints were reported.” Complaints that are more than three years old “automatically rolled off of the Business Review, [and] over time, Trump University’s BBB rating went to an A in July 2014 and then to an A+ in January 2015.”

Trump, however, claimed the opposite was true. He said the Better Business Bureau simply hadn’t had enough information about Trump U, and that’s why it received a D-minus. “Before they had the information,” the program scored poorly, he said, but “once they had the information. it is right now an A.”

More than 5,000 people are suing Trump and Trump University in California, where a class action suit alleges that many students spent more than $30,000 on what they were told would be a real estate investment mentorship, personally designed and overseen by Trump.

Watch the real estate mogul’s promotional video for Trump University:

In fact, the former students allege that Trump played no part in designing the course, choosing the teachers or mentoring students.

A second case brought by New York Attorney General Eric Schneiderman was cleared by an appeals court to move forward last week. This means voters are likely to hear a lot more about Trump University in the coming months.

The candidate tried to play down the seriousness of the allegations on Thursday, yelling, “It’s just a minor case! It’s a minor case!” over the voices of debate moderators.

On Monday, Trump also released a video (see below ) in which he singled out two people who asserted they’d been scammed by his seminar company. He accused them of saying “horrible things” and warned “we’re looking” for a third person.

A spokeswoman for Trump’s campaign and a lawyer for Trump’s business both declined to comment on the Better Business Bureau’s statement.





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Better Business Bureau: Trump Lied About Our Ratings #business #management #courses

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Better Business Bureau: Trump Lied About Our Ratings

The Council of Better Business Bureaus is calling out Donald Trump for what appears to have been a brazen effort to mislead the Fox News hosts who moderated last week’s Republican presidential debate, as well as the millions of Americans who tuned in to watch last Thursday night.

During the debate, the moderators and Trump’s opponent, Florida Sen. Marco Rubio, brought up the subject of Trump University, a now-defunct business that Trump established to sell supposedly educational courses and seminars on entrepreneurship. Trump University is currently being sued for fraud by numerous former students, who said that they were pressured to take on debt to pay for tens of thousands of dollars in fees and that the company did not deliver the type of educational experience it promised.

Related: Trump Numbers Are Falling – How Far Can They Go?

On stage last week, Trump angrily challenged criticism of Trump University, insisting that the organization had a “98 percent” approval rating among its students.

But it was when Rubio brought up the company’s D- grade from the Better Business Bureau that Trump really started to get creative.

He conceded that at one point the company did have a D- rating from the Better Business Bureau, but he said the rating was poor only because Trump University hadn’t bothered to submit data to the BBB. He insisted that the grade was subsequently “elevated to an A” once the data was supplied.

“The only reason that is was a D was because we didn’t care — we didn’t give them the information. ” Trump said. “When they got the information it became an A.”

Related: Here’s Why Donald Trump’s Lies May Be Good for U.S. Politics

During a commercial break, Trump was given a fax from his staff, which he handed to Fox moderator Bret Baier. He later posted the document on Facebook. It appeared to be a BBB Business Review giving Trump University (actually, Trump Entrepreneur Initiative, after a 2011 name change) an A grade.

At least one news organization reported, at the time, that the document appeared to have been faxed to the Fox News set by the BBB itself.

On Tuesday, the Council of Better Business Bureaus issued a detailed statement setting the record straight.

“BBB did not send a document of any kind to the Republican debate site last Thursday evening,” it read. “The document presented to debate moderators did not come from BBB that night.”

It continued, “Trump University does not currently have an A rating with BBB. The BBB Business Review for this company has continually been “No Rating” since September 2015. Prior to that, it fluctuated between D- and A+. The document posted on social media on Thursday night was not a current BBB Business Review of Trump University. It appeared to be part of a Business Review from 2014.”

Related: Irony Alert: Trump Is Upset that Ted Cruz Is Lying

More damning, though, was the BBB’s account of how Trump University’s rating went from a D- to an A. The BBB said that, despite Trump’s claims to the contrary, the rating was never increased as a result of new information received from the company.

What happened is that as Trump University failed as a business, it stopped attracting new students, and with no new students, there were no more complaints filed to the BBB.

“During the period when Trump University appeared to be active in the marketplace, BBB received multiple customer complaints about this business,” the statement said. “These complaints affected the Trump University BBB rating, which was as low as D- in 2010. As the company appeared to be winding down, after 2013, no new complaints were reported.

“Complaints over three years old automatically rolled off of the Business Review, according to BBB policy. As a result, over time, Trump University’s BBB rating went to an A in July 2014 and then to an A+ in January 2015.”

Related: Trump’s Net Worth Isn’t His Only Claim That’s Fake

In other words, Trump was lying about Trump University’s rating on national television, and even provided misleading documentary evidence in real time to help him make his case.

In a sane campaign season, this sort of thing would be utterly disqualifying, but whether it will have much effect on Trump’s core support is doubtful. The billionaire’s supporters have proven remarkably immune to factual arguments about Trump’s obvious deficiencies as a candidate, and uninterested in proof that he frequently lies to them .





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Better business finance – business finance support: Home #ideas #for #new #business

#business finance

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Are you a Creative
business looking for
finance?

Use our toolkit to
discover who can
help you grow

Find out more

You re a lot more
likely to get
business finance
than you think

Find out more

Find a business
mentor

Whatever stage your business is at,
we’ve made it easier for you to find a mentor.

Find one now

Compare
your bank

See what offers are
available for accounts,
credit cards and overdrafts.

See how

Need help writing
a business plan?

The appeals process is monitored and scrutinised by an Independent External Reviewer Professor Russel Griggs OBE, and his team of auditors. He produces quarterly and annual report on its effectiveness as well as areas for improvement

Independent appeals

If your application for business finance is turned down, you can launch an appeal to have the decision reviewed. You can also appeal if you are unhappy with the conditions attached to a lending facility agreed with your bank.

Santander Case Study – Isabella Oliver

Online retail business Isabella Oliver is a global leader for stylish maternity fashion, selling to over 150 countries worldwide.
Read the case study

Help for your business

Business Account Finder Overview

If you’re a business, club, society or charitable organisation, the Business Account Finder helps you to find up-to date information on the UK banking market. Read more

Find a business mentor with mentorsme.co.uk

mentorsme.co.uk helps small and medium-sized businesses quickly and easily find a mentoring organisation that matches their requirements. Read more





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How Business Intelligence Helps Small Businesses Make Better Decisions #business #loans #with #bad #credit

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How Business Intelligence Helps Small Businesses Make Better Decisions


Credit

We often talk about the benefits of business intelligence, but we rarely explain what business intelligence is and why you should even consider it. More often than not, we are faced with this dilemma as we find ourselves excited at the “prospect” of what our business intelligence (BI) tools should offer, without knowing what it really can do.

In a recent blog post published by Panorama, they tackled an important yet simple business question, “What is Business Intelligence ?”

BI is a tool that helps organizations improve decision making by tracking, processing, storing and analyzing data and transforming it into insights. Business users can in turn use these insights to make the right decisions in the right time, cutting costs, identifying new business opportunities and improving their organization’s performance.

Do we need business intelligence?

Today we live in a world where organizations collect and store huge amounts of data. If that data is not put to good use to serve the company for a specific purpose, it becomes a heavy and expensive burden for the organization. It is very easy to get lost in all the data as the analysis process can be long and tedious; but with BI, the process becomes optimized plus with solutions like panorama NECTO 16. it has become almost automatic! Users can get knowledge that will improve their decision making in just two clicks!


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Not only large corporations need BI. Small businesses do too!

When most of us started our businesses, business intelligence (BI) was a special treat only the big-chip companies could enjoy, because well, employing analytics software required building data centers and hiring IT specialists and consultants.

If it helps big organizations make better business decisions, then it should be able to help small business make sound and effective decisions for their businesses too!

Times have changed, and today, small business BI is a booming industry. The same technological explosion that made the whole world fit into our pockets; in the shape of a smartphone or a tablet, also drastically reduced the size and cost of analytical solutions. For the first time, it is possible for small businesses to deploy BI to fulfill different needs, analyze their performance, predict their future, and make better decisions.

For small businesses where one person is a jack of all trades, it means that your employees can pull out the particular piece of information they need even if it exceeds their immediate area of expertise.

Through this, members of your team are empowered to view the same data from multiple locations and make data-driven decisions together. Business intelligence for small business doesn’t require any programming knowledge; neither need you to invest in trainings. All you need to do is to create a dashboard that will make everybody, from the top of the ladder to the bottom, understand that regular data analysis pays off. Gathering high-quality data is not a one-time effort and you must re-evaluate your goals periodically to determine whether your BI setup is helping you achieve them. The more you empower individuals to use and share data, the better their access to vital customer and financial information, then the more effective they will be in contributing to the achievement of your goal.

Also, getting visual is one of the best ways to explore and understand data, particularly when presenting it to customers, investors or other stakeholders. To present data in a digestible and persuasive way and not to lose your audience’s attention, it’s advisable to use infographics – best choice of BI for small businesses. With this smart solution you can display business data on compelling charts without spending too much time on chart formatting and design.

Furthermore, it helps you to grow your business. How is it possible? BI tools are smart and will help you reveal some trends in your past performance that could otherwise go unnoticed. You can identify crucial trends in your data with the potential to unlock new growth opportunities. By analyzing your past performance in context and trying to understand the factors that influenced the best or worst results, you can discover the key to the future growth.

However, please note.

When small businesses go shopping for BI and analytics solutions. the tendency can be to take a giant leap. The prospect of having all your data integrated and available to end users sounds exciting.
Also, management may think the system they buy should accommodate any future needs that may arise as the business grows. This may make many of them to lose sight of the fact that the solution must be simple and easy to manage in order to be successful in the long term.

Of course, the sweet talking salesmen from different solution providers also play a role in confusing the decision makers and making them sway from their immediate needs, and they sell a complicated system that’s far too expansive for a small business that basically only needs to analyze little data.

Therefore, the best approach for a small business is to consider a BI suite that provides the best data connectors for their most important data. Business intelligence solutions with straight-forward incorporation requirements and immediate impact, is a much better alternative for small companies.

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Better Business Bureau fires back at Donald Trump #business #credit

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POLITICO

The Better Business Bureau says Trump University only received top ratings because it had already begun winding down, and there was little for anyone to complain about — though Donald Trump s campaign begs to differ. | AP Photo

Better Business Bureau fires back at Trump

03/08/16 12:29 PM EST

The Better Business Bureau fired back Tuesday at Donald Trump’s numerous claims surrounding its ratings for his defunct Trump University business venture, issuing a point-by-point breakdown seeking to set the record straight. For one, it said, the business does not currently hold an A rating with the agency.

In its joint statement, the Council of Better Business Bureaus and the local BBB that represents metropolitan New York, referred to the institution as Trump University rather than its later moniker, Trump Entrepreneur Initiative, noting that it has not had a rating since September 2015. The rating for the venture fluctuated between D- and A+ over the course of the last several years.

Pointing to its reporting and rating retention period of three years, the agency noted that Trump University’s rating was as low as D- in 2010, as well as the fact that as Trump U wound down operations in 2013, it received no additional complaints.

Complaints over three years old automatically rolled off of the Business Review, according to BBB policy, the statement continued. As a result, over time, Trump University’s BBB rating went to an A in July 2014 and then to an A+ in January 2015.

In other words, Trump University only received top ratings because it had already begun winding down, and there was little for anyone to complain about — though the Trump campaign begs to differ.

They gave the program a rating and they admit that the rating was an A+, Trump spokeswoman Hope Hicks told POLITICO in an email. Any lower ratings were given prior to the submission of documentation and other applicable paperwork. Once submitted, the program was awarded an even higher rating than previously shared.

As it had asserted last week. BBB also disputed Trump’s claim that the agency faxed a copy of Trump University ratings during last Thursday’s debate in Detroit. It also shot down the document Trump posted following the debate on social media, which it said was not a current document.

It appeared to be part of a Business Review from 2014, the agency said in its statement.

BBB also said it has never accredited Trump University.

The agency’s statement comes amid two separate lawsuits against the organization, in New York and California.

A federal appeals court on March 1 declined to toss out one of those lawsuits, a $40 million fraud case against Trump brought by New York Attorney General Eric Schneiderman.

“We look forward to demonstrating in a court of law that Donald Trump and his sham for-profit college defrauded more than 5,000 consumers out of millions of dollars,” Schneiderman said in a statement.

Trump has downplayed the lawsuit, saying it was peanuts and insisting he could easily have settled it, but didn’t want to set a precedent.

He’s also accused Schneiderman of doing the bidding of his campaign donors, a charge the attorney general has called false.

“This is a case about fraud. If you’re talking about someone who you’re looking at to be president, I think the issue of credibility is very important,” Schneiderman said on CNN last week. ”If you tell people we’re going to teach you Donald Trump secrets, and he’s never had any part of writing the curriculum — that’s fraud.

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