Artificial Intelligence
Builders Company
Developers/Heartfelt Builders
HB
Heartfelt BuildersBrooklyn, United States · founded October 23, 2013 · 1 active markets
PRIVATE

Heartfelt Builders develops and constructs residential properties in New York City, especially Queens and Brooklyn, while also renovating high-end townhouses and brownstones. Its work serves developers, property owners and households seeking new construction, renovations, project management and general contracting services.

Years in business
13
founded October 23, 2013
Portfolio value
USD 21.2 million portfolio value
past 24 months
Total projects
9
across the company’s whole history
Projects last researched October 15, 2026
Every figure on this card was read out of a document.

Overview

Investor tear sheet

a summary of the tabs that follow · no rating of our own

Company dossier

Legal name
Heartfelt Townhouse Builders LLC1
Headquarters
183 Wilson St #1601, Brooklyn1, US
Founded
October 23, 20131
Entity type
PRIVATE1
Business model
contracting1
Markets
1 market listed
What they build
Residential, for rent (1 of 1) · Retail (1 of 1)
Full dossier in About →

Delivery record

0 date-assessed of 1 projects
Unverified by developer

AI-researched delivery record, not yet confirmed by the developer. Dates may be approximate; original sources are linked.

Completed projects from 2016-10-15 through 2026-10-15, with sufficient delivery-date evidence. Date assessment and developer profile verification do not mean an independent audit of every source. Original source links and available snippets are provided. May not represent the developer’s full portfolio. 0 undated and 0 boundary-uncertain completions are excluded. Delivery exceptions are listed separately under Projects.
Completed projects assessed
1
within the rolling ten-year window
Median delay
—
the middle of no scored projects
Average delay
—
the same projects, pulled by the worst
Average time to deliver
—
no delivered projects with a dated start — needs 3
Worst slip
—
0
early or less than 6 months late
6 to 12 months late
0
yellow rows below
Over 12 months late
0
red rows below

Against other developers

Not enough info yet.
Projects and timelines in Track Record →

Awards & recognition

All awards →

Risks & source coverage

  • REGULATORY Fact sheet published December 16, 2025; findings reported as of that publication NYC’s Office of Environmental Remediation reported that an investigation at Heartfelt Builders’ proposed Astoria site found VOCs, SVOCs, metals and PFAS in groundwater above groundwater-quality standards and petroleum-related and chlorinated VOCs in soil vapor above NYSDOH air-guideline values; the site entered the NYC Voluntary Cleanup Program and a cleanup plan was put out for comment.
  • REGULATORY May 5, 2026 NYC OER issued a Notice to Proceed for Heartfelt Builders’ 35-11 42nd Street project only after acceptance of hazardous-materials, air-quality and noise remedial plans and a construction health-and-safety plan; the notice states that a later Notice of Satisfaction is required before a certificate of occupancy can issue.
  • SAFETY / LABOUR Filed April 12, 2023; docket records withdrawal of the default-judgment motion on July 3, 2024 A labor-law tort case filed by Yader Ramos Cruz names Heartfelt Townhouse Builders LLC among the defendants; the docket identifies the matter as active and records a motion for default judgment that was later withdrawn, so the allegations are not established findings.
  • 1 more in Risk & Sources
Record status
active
Company sources
67 source entries across 65 fields
Projects tracked
1 · 1 completed in assessment
All flags and sources →

Track Record

Delivery record

0 date-assessed of 1 projects
Unverified by developer

AI-researched delivery record, not yet confirmed by the developer. Dates may be approximate; original sources are linked.

Completed projects from 2016-10-15 through 2026-10-15, with sufficient delivery-date evidence. Date assessment and developer profile verification do not mean an independent audit of every source. Original source links and available snippets are provided. May not represent the developer’s full portfolio. 0 undated and 0 boundary-uncertain completions are excluded. Delivery exceptions are listed separately under Projects.
Completed projects assessed
1
within the rolling ten-year window
Median delay
—
the middle of no scored projects
Average delay
—
the same projects, pulled by the worst
Average time to deliver
—
no delivered projects with a dated start — needs 3
Worst slip
—
0
early or less than 6 months late
6 to 12 months late
0
yellow rows below
Over 12 months late
0
red rows below

Against other developers

Not enough info yet.

Construction start to handover

1 of 1 projects dated · 1 place
Based on covered projects with documented construction or launch dates and available handover dates. Timelines vary by project and may not represent the developer’s full portfolio.
Construction start, or the launchTarget completion (window)Completion or handover, as reportedCurrently statedLaunch year only, no date publishedEarly or ≤6 mo lateOver 6–12 mo lateOver 12 mo lateStalled
New York, United States
2025202620272028todayNEW YORK, UNITED STATES>9 mo earlyestimated
Click a row in the chart to open a project, or a table row below to see its sources. The chart runs wider than the page where the record spans many years — scroll it sideways to follow a project to its handover. Every date we have is drawn. A hollow marker is only a launch year, not a date anyone published. No dates published means we looked and found none; dates not yet checked means we have not looked yet. Handing over is not finished — rows say which. A delay is shown when one source gives the promised date and another gives the real one, however rough: "2019" still counts, and the row shows how wide that is. Projects missing one of the two dates, or with sources that disagree, are left out of the figures.

About

Company dossier

Legal name
Heartfelt Townhouse Builders LLC
Headquarters
183 Wilson St #160, Brooklyn, US
11211
Founded
October 23, 2013
Brooklyn, US
Entity type
PRIVATE
Revenue
not published
Business model
contracting

Partners

5 partners
Yakar Partners
landowner

Yakar Partners ground-leased the 42-08 35th Avenue development site to Heartfelt Townhouse Builders.

Borough Developers
landowner

Borough Developers signed a 99-year ground lease with Heartfelt Builders for the Downtown Brooklyn development site.

BridgeCity Capital
funder

BridgeCity Capital provided an $85 million loan connected with the Downtown Brooklyn site and ground-lease transaction.

SCALE Lending
funder

SCALE Lending provided a $142 million construction loan for the Queens project for which Heartfelt Townhouse Builders was general contractor.

J Frankl Architects
partner

J Frankl Architects designed the Queens project where Heartfelt Townhouse Builders served as general contractor.

Sources: name

PRESSdate not shown in source

Heartfelt Builders - PincusCo

PincusCo
Yakar Partners ground leased 42-08 35 Avenue valued at $18 million to Heartfelt Townhouse Builders on October 06, 2025.
value seen: Yakar Partners
https://www.pincusco.com/company/heartfelt-townhouse-builders/

Sources: partner type

PRESSdate not shown in source

Heartfelt Builders - PincusCo

PincusCo
Yakar Partners ground leased 42-08 35 Avenue valued at $18 million to Heartfelt Townhouse Builders on October 06, 2025.
value seen: ground leased
no listed category matches this wording, so it is shown as the source wrote it
held out of the figures · no listed category matches this wording
value paraphrased from this source
https://www.pincusco.com/company/heartfelt-townhouse-builders/

Sources: summary

PRESSdate not shown in source

Heartfelt Builders - PincusCo

PincusCo
Yakar Partners ground leased 42-08 35 Avenue valued at $18 million to Heartfelt Townhouse Builders on October 06, 2025.
value seen: ground-leased the 42-08 35th Avenue development site to Heartfelt Townhouse Builders
value paraphrased from this source
https://www.pincusco.com/company/heartfelt-townhouse-builders/

Sources: name

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
At the same time, the buyers signed a 99-year ground lease with Heartfelt Builders, led by Joel Weiss and Raizel Feder, and Feder's 485 Fulton Family Holdings LLC paid $23.2 million to the buyers in a related transaction.
value seen: Borough Developers
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease

Sources: partner type

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
At the same time, the buyers signed a 99-year ground lease with Heartfelt Builders, led by Joel Weiss and Raizel Feder, and Feder's 485 Fulton Family Holdings LLC paid $23.2 million to the buyers in a related transaction.
value seen: 99-year ground lease
no listed category matches this wording, so it is shown as the source wrote it
held out of the figures · no listed category matches this wording
value paraphrased from this source
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease

Sources: summary

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
At the same time, the buyers signed a 99-year ground lease with Heartfelt Builders, led by Joel Weiss and Raizel Feder, and Feder's 485 Fulton Family Holdings LLC paid $23.2 million to the buyers in a related transaction.
value seen: signed a 99-year ground lease with Heartfelt Builders
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease

Sources: name

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
It was financed with an $85 million loan from BridgeCity Capital.
value seen: BridgeCity Capital
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease

Sources: partner type

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
It was financed with an $85 million loan from BridgeCity Capital.
value seen: financed with an $85 million loan
no listed category matches this wording, so it is shown as the source wrote it
held out of the figures · no listed category matches this wording
value paraphrased from this source
https://www.bldup.com/posts/developer-pay-83-5m-for-297-unit-dev-site-in-brooklyn-sign-ground-lease

Sources: summary

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
It was financed with an $85 million loan from BridgeCity Capital.
value seen: an $85 million loan from BridgeCity Capital
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease

Sources: name

PRESS2023-10-18

SCALE Lending Provides $142 Million Construction Loan for 24-Story Building in Queens - Multifamily & Affordable Housing Business

Multifamily & Affordable Housing Business
SCALE Lending, the debt financing subsidiary of Slate Property Group, has provided a $142 million loan for the construction of a property at 147-35 95th Ave.
value seen: SCALE Lending
https://multifamilyaffordablehousing.com/scale-lending-provides-142-million-construction-loan-for-24-story-building-in-queens/

Sources: partner type

PRESS2023-10-18

SCALE Lending Provides $142 Million Construction Loan for 24-Story Building in Queens - Multifamily & Affordable Housing Business

Multifamily & Affordable Housing Business
SCALE Lending, the debt financing subsidiary of Slate Property Group, has provided a $142 million loan for the construction of a property at 147-35 95th Ave.
value seen: provided a $142 million loan
no listed category matches this wording, so it is shown as the source wrote it
held out of the figures · no listed category matches this wording
value paraphrased from this source
https://multifamilyaffordablehousing.com/scale-lending-provides-142-million-construction-loan-for-24-story-building-in-queens/

Sources: summary

PRESS2023-10-18

SCALE Lending Provides $142 Million Construction Loan for 24-Story Building in Queens - Multifamily & Affordable Housing Business

Multifamily & Affordable Housing Business
Heartfelt Townhouse Builders is the general contractor for the project.
value seen: Heartfelt Townhouse Builders is the general contractor for the project
https://multifamilyaffordablehousing.com/scale-lending-provides-142-million-construction-loan-for-24-story-building-in-queens/

Sources: name

PRESS2023-10-18

SCALE Lending Provides $142 Million Construction Loan for 24-Story Building in Queens - Multifamily & Affordable Housing Business

Multifamily & Affordable Housing Business
J Frankl Architects designed the building.
value seen: J Frankl Architects
https://multifamilyaffordablehousing.com/scale-lending-provides-142-million-construction-loan-for-24-story-building-in-queens/

Sources: partner type

PRESS2023-10-18

SCALE Lending Provides $142 Million Construction Loan for 24-Story Building in Queens - Multifamily & Affordable Housing Business

Multifamily & Affordable Housing Business
J Frankl Architects designed the building.
value seen: designed the building
no listed category matches this wording, so it is shown as the source wrote it
held out of the figures · no listed category matches this wording
value paraphrased from this source
https://multifamilyaffordablehousing.com/scale-lending-provides-142-million-construction-loan-for-24-story-building-in-queens/

Sources: summary

PRESS2023-10-18

SCALE Lending Provides $142 Million Construction Loan for 24-Story Building in Queens - Multifamily & Affordable Housing Business

Multifamily & Affordable Housing Business
J Frankl Architects designed the building.
value seen: J Frankl Architects designed the building
value paraphrased from this source
https://multifamilyaffordablehousing.com/scale-lending-provides-142-million-construction-loan-for-24-story-building-in-queens/

Registrations & licences

COMPANY NUMBER4476790
New York State Department of State · US · Active
Jurisdiction-agnostic: a DLD number, a Companies House number and a state RERA registration all land in the same table.

Contact

Markets

1 countries
United Statesactive 1 project tracked

What they build

2 types
Residential, for rent1 of 1
Retail1 of 1
A project counts once under each type it carries, so the shares add to more than the project count.

Management

Principals & executives

2 names found
JW
Joel Weiss
Joel Weiss is identified as an owner of Heartfelt Builders/Heartfelt Townhouse Builders. Independent NYC real-estate reporting and building records connect him to the developer’s projects, including a 238-unit Jamaica proposal and later filings; the available sources do not document his education or prior employers.
Current title
Owner
Experience
no career length stated
Companies before
none sourced
Education
not published
Other boards
none sourced
Known for
OwnerNYC real-estate developer
Work email: heartfeltbuilders@gmail.com1 Email

Sources: email

REGULATOR2026-05-05

Notice to Proceed DOB Job Number Q01332594-I1

New York City Office of Environmental Remediation · carried by a002-epic.nyc.gov
cc: Joel Weiss, Heartfelt Townhouse Build - heartfeltbuilders@gmail.com Mendy Landau, Heartfelt Builders - mlandau@heartfeltbuilders.com Abe Klein, Heartfelt Builders - aklein@heartfeltbuilders.com
value seen: heartfeltbuilders@gmail.com
https://a002-epic.nyc.gov/api/files/1a0eaf7e-ba48-f111-8292-005056b05749/download

Sources: full name

REGULATORdate not shown in source

Accela Citizen Access

New York City Department of Buildings · carried by a810-lmpaca.nyc.gov
## Owner Information | Individual JOEL WEISS HEARTFELT TOWNHOUSE BUILD 183 WILSON ST #326 BROOKLYN, NY, 11211
value seen: Joel Weiss
https://a810-lmpaca.nyc.gov/CitizenAccessBuildings/Cap/CapDetail.aspx?Module=DOB&TabName=DOB&capID1=DUB23&capID2=00000&capID3=0CGT0

Sources: role type

PRESSdate not shown in source

Joel Weiss - PincusCo

PincusCo
# Joel Weiss Owner
value seen: Owner
no listed category matches this wording, so it is shown as the source wrote it
held out of the figures · no listed category matches this wording
value paraphrased from this source
https://www.pincusco.com/person/joel-weiss/

Sources: summary

PRESS2023-04-03

Developer Plans 300K SF Project for Jamaica, Queens

The Real Deal
Joel Weiss plans 238 units on Sutphin Boulevard
value seen: Independent NYC real-estate reporting and building records connect him to the developer’s projects, including a 238-unit Jamaica proposal and later filings.
value paraphrased from this source
https://therealdeal.com/new-york/2023/04/03/developer-joins-jamaica-development-wave-with-300k-sf-resi-plans/
PRESSdate not shown in source

Joel Weiss - PincusCo

PincusCo
# Joel Weiss Owner
value seen: Joel Weiss is identified as an owner of Heartfelt Builders/Heartfelt Townhouse Builders.
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://www.pincusco.com/person/joel-weiss/

Sources: tags

PRESSdate not shown in source

Joel Weiss - PincusCo

PincusCo
# Joel Weiss Owner
value seen: Owner
value paraphrased from this source
https://www.pincusco.com/person/joel-weiss/

Sources: tags

PRESS2023-04-03

Developer Plans 300K SF Project for Jamaica, Queens

The Real Deal
Joel Weiss plans 238 units on Sutphin Boulevard
value seen: Joel Weiss plans 238 units on Sutphin Boulevard
value paraphrased from this source
https://therealdeal.com/new-york/2023/04/03/developer-joins-jamaica-development-wave-with-300k-sf-resi-plans/

Sources: title

PRESSdate not shown in source

Joel Weiss - PincusCo

PincusCo
# Joel Weiss Owner
value seen: Owner
https://www.pincusco.com/person/joel-weiss/
RF
Raizel Feder
Raizel Feder is identified in independent 2026 reporting as a leader of Heartfelt Builders alongside Joel Weiss. Property and transaction reporting also identifies Feder as the related party behind 485 Fulton Family Holdings LLC; the retrieved sources do not establish her education, prior employers, or other current boards.
Current title
Leader
Experience
no career length stated
Companies before
none sourced
Education
not published
Other boards
none sourced
Known for
Heartfelt Builders leaderReal-estate owner

Sources: full name

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
At the same time, the buyers signed a 99-year ground lease with Heartfelt Builders, led by Joel Weiss and Raizel Feder
value seen: Raizel Feder
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease

Sources: role type

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
At the same time, the buyers signed a 99-year ground lease with Heartfelt Builders, led by Joel Weiss and Raizel Feder
value seen: led by Joel Weiss and Raizel Feder
no listed category matches this wording, so it is shown as the source wrote it
held out of the figures · no listed category matches this wording
value paraphrased from this source
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease

Sources: summary

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
Feder's 485 Fulton Family Holdings LLC paid $23.2 million to the buyers in a related transaction.
value seen: Property and transaction reporting also identifies Feder as the related party behind 485 Fulton Family Holdings LLC.
value paraphrased from this source
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease
PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
At the same time, the buyers signed a 99-year ground lease with Heartfelt Builders, led by Joel Weiss and Raizel Feder
value seen: Raizel Feder is identified in independent 2026 reporting as a leader of Heartfelt Builders alongside Joel Weiss.
held out of the figures · the quote does not carry this value
value paraphrased from this source
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-ground-lease

Sources: tags

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
At the same time, the buyers signed a 99-year ground lease with Heartfelt Builders, led by Joel Weiss and Raizel Feder
value seen: led by Joel Weiss and Raizel Feder
value paraphrased from this source
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease

Sources: tags

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
Feder's 485 Fulton Family Holdings LLC paid $23.2 million to the buyers in a related transaction.
value seen: Feder's 485 Fulton Family Holdings LLC
value paraphrased from this source
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease

Sources: title

PRESS2026-09-24

Developer Pay $83.5M for Downtown Brooklyn Site Planned for 297 Units, Sign 99-Year Ground Lease

BLDUP
At the same time, the buyers signed a 99-year ground lease with Heartfelt Builders, led by Joel Weiss and Raizel Feder
value seen: led by Joel Weiss and Raizel Feder
value paraphrased from this source
https://www.bldup.com/posts/developer-pay-83-5m-for-downtown-brooklyn-site-planned-for-297-units-sign-99-year-ground-lease
2 slots empty — we found no sourced name for finance, development or projects.

Projects

Assessment coverage

Completed projects: 2016-10-15 through 2026-10-15. Initial research is capped at 10 completed projects and a separate delivery-risk search capped at 7 findings. Risk findings are not project assessment counts. Absence is not proof of a complete portfolio or no failures. Month-level dates overlapping a boundary are excluded from figures.

0 undated completions and 0 boundary-uncertain completions are retained but excluded from figures.

Stalled, cancelled & overdue projects

0 evidenced cases
The capped delivery-risk search ran; no project-level exception cases are recorded here. Risk findings are listed under Risks and are separate from assessed projects. This does not establish that the developer has no delivery failures.

Completed projects

1 project
ProjectLocationTypeUnitsFloorsAreaCostPayment planLaunchedConstruction startOriginal targetHandoverDelayConfidenceStatus
94-15 Sutphin BoulevardNew York, United States
Jamaica, Queens
residential for rent, retail524124—————Jan 2027 – Dec 2027Jan 2025 – Dec 2025more than 9 months earlyestimatedcompleted
Click any row for the sources behind it. Cost basis matters: an estimated cost, a construction loan and a sale price are different numbers. Each row states which one it is, so they are never averaged together.

Awards

Awards & recognition

1 found
RANKING Ranked Published August 25, 2023; updated August 28, 2023
No. 4 residential developer in New York City
The Real Deal ranked Heartfelt Builders No. 4 among New York City residential developers, based on 1,045 residential units underway; it also identified the company as the No. 1 residential developer in Queens with 1,045 units across two projects.

Risks

Risk flags

4 found
REGULATORY Fact sheet published December 16, 2025; findings reported as of that publication
NYC’s Office of Environmental Remediation reported that an investigation at Heartfelt Builders’ proposed Astoria site found VOCs, SVOCs, metals and PFAS in groundwater above groundwater-quality standards and petroleum-related and chlorinated VOCs in soil vapor above NYSDOH air-guideline values; the site entered the NYC Voluntary Cleanup Program and a cleanup plan was put out for comment.
REGULATORY May 5, 2026
NYC OER issued a Notice to Proceed for Heartfelt Builders’ 35-11 42nd Street project only after acceptance of hazardous-materials, air-quality and noise remedial plans and a construction health-and-safety plan; the notice states that a later Notice of Satisfaction is required before a certificate of occupancy can issue.
SAFETY / LABOUR Filed April 12, 2023; docket records withdrawal of the default-judgment motion on July 3, 2024
A labor-law tort case filed by Yader Ramos Cruz names Heartfelt Townhouse Builders LLC among the defendants; the docket identifies the matter as active and records a motion for default judgment that was later withdrawn, so the allegations are not established findings.
SAFETY / LABOUR Filed May 18, 2023; closed with a stipulation of discontinuance filed August 5, 2025
A separate personal-injury tort lawsuit filed by State Farm Fire and Casualty Company as subrogee of Joseph Chatenarine named Heartfelt Townhouse Builders LLC; the case was later closed after a stipulation of discontinuance, and the retrieved record does not establish liability.

Record status

active
Coverageactive
Tracked sinceOctober 10, 2026
Last checkedOctober 15, 2026 this month
Profile last researchedOctober 15, 2026
Claim
Work for this company? Claiming lets you correct the record with sources and get alerts when it changes.
For informational purposes only. This information is not investment, financial or credit advice and should not be relied on for investment, lending or credit decisions. Records may be incomplete or outdated. Verify information independently and seek qualified advice before making a decision.