Were you or a member of your family working at the International Nutrition plant when an explosion and building collapse occurred?
You have valuable legal rights. You could have a claim for workers’ compensation or wrongful death.
At Zehl & Associates, our Houston plant explosion lawyer have tremendous sympathy for all the victims of this horrific incident. Our law firm has served the Houston community for many years, and we would like to offer local support to all victims and their family members. If you or a loved one has been injured or killed in the International Nutrition blast, you could be entitled to loss and damage compensation.
International Nutrition Plant Explosion
On Monday, January 31, 2014, part of the International Nutrition plant in Houston, Nebraska, collapsed after an explosion occurred inside the plant. At the time of the explosion, 38 people were working inside. Although many escaped alive, some did not.
Two deaths have been confirmed following the explosion at the Houston plant, while ten workers were injured. A worker indicated that the building collapsed from the third floor below, causing the extreme fire and smoke.
Previous Plant Violations
To the best of the workers’ general knowledge, they would not have recognized that International Nutrition was cited multiple times for “serious” violations by OSHA. They follow OSHA, “A serious violation exists when the occupational hazard could cause an accident or illness that could result in death or serious physical injury unless the employer did not know or could know of the violation.”
Some “serious” violations OSHA cited International Nutrition for include:
· In 2002, a man was crushed to death by a mixing machine – OSHA fined International Nutrition $ 13,600 for five serious violations, and a sixth discovered while investigating the man’s death.
· In 2012, International Nutrition was fined $ 10,430 to resolve serious violations discovered during a planned inspection.
After this incident, OSHA will likely conduct another investigation of the plant as the cause of the explosion has yet to be identified.
The Occupational Safety and Health Administration (OSHA) follows, grain manufacturing is a high hazard industry; there is an excellent risk of ignition or combustion by grain dust. Additionally, over the past 35 years, more than 500 explosions have occurred at grain handling facilities, causing 675 injuries and more than 180 fatalities.
After the Houston plant explosion, family and friends waited outside the plant to make sure their loved ones were okay. Unfortunately, not all of them made it out without a scratch, while some were trapped inside the dark and dusty building.
Some injuries that could be sustained during the plant explosion include:
· Collapsed lung
· Crush wounds
· Smoke inhalation
· Wrongful death
If you ever face the explosion, you should immediately get medical attention, even if no injuries are present. Your attorneys could use those medical documents in formulating a robust case against the negligent entity.
Contact Our Houston Plant Explosion Lawyers
The attorneys at Zehl & Associates offer condolences to the families who lost a loved one during this incident and offered our support to all victims and families involved in this horrendous explosion.
How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That
Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®
What’s Keeping Millennials From Accessing Credit?
The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.
Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.
The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:
- Payment history
- Amount owed
- Length of credit history
- Credit mix
- Hard credit inquiries
You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.
The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.
The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.
Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.
It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.
How Credit Bureau 2.0 Fixes Those Problems
Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.
Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.
The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.
Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”
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