Sentences with phrase «as lower credit»

It seems counter-intuitive, but if you avoid credit products, you will not be viewed as a lower credit risk.

In order to encourage lenders to loosen credit score requirements, some would like to see the Neighborhood Watch program altered so that default rates are not compared to the general FHA default rate, but are adjusted to account for risk factors such as lower credit scores.

Restaurant expenses in the quarter were essentially flat to last year on a percentage of sales basis as lower credit card expenses were offset with increased preopening expense related to 9 net units opens in the quarter and additional openings in early fiscal 2013.

This can then cause you even more damage — as a lower credit score can make it even more difficult, and more expensive, to borrow money, get a loan etc..

Although it has some drawbacks such as low credit card limits and fewer payment methods, it's an excellent platform for those considering investing in cryptocurrencies.

If you have a challenge in qualifying for a loan — such as a low credit score, a spotty job history, a high debt - to - income ratio, income from self - employment or a side business — you may want to discuss your options with multiple lenders, because you'll find more variation in the cost of the loan.

These include issues such as a low credit score, excessive debt, or insufficient income for the amount you are trying to borrow.

It might be something as simple as a low credit score but there may be another reason that is specific to your specific circumstances.

You get to know whether or not you've been subject to identity theft when you check your credit score as a low credit score can bar you from applying for a mortgage within your means.

This can lead to other negative consequences, such as low credit scores and the inability to obtain home and car loans in the future.

Higher levels of risk are generally associated with longer - term bonds when interest rates are currently low and deemed likely to go up in the future, as well as low credit quality bonds.

Those losses did not last too long, however, as the lower credits and investment - grade bonds bounced back in performance in December 2008 and did not look back during 2009.

Because he also has no collections, bankruptcies, or judgments on his credit report, John is viewed as a low credit risk.

Bad credit: This is also referred to as a low credit score or a poor credit rating.

Small home loans can also be difficult to qualify for by borrowers who can only afford such a home because they have high risk factors such as low credit scores, less income and less savings.

Not exact matches

The credit spread between the two decreased to 2.74 %, a new 15 month low (using last week's corporate bonds as the comparison).

• Credit card delinquency rates remain low, at only 0.87 per cent of total outstanding balances as of April 2016, while credit card debt only makes up five per cent of total household debt in CCredit card delinquency rates remain low, at only 0.87 per cent of total outstanding balances as of April 2016, while credit card debt only makes up five per cent of total household debt in Ccredit card debt only makes up five per cent of total household debt in Canada.

Under the RGGI program, the revenues from the credit purchases are used to fund energy efficiency, clean and renewable energy projects, as well as assist low - income residents in paying their electric bills.

It is speculated that the dividend tax credit may be revised and lowered as these tax credits are seen to mainly benefit the wealthy.

Vacation scams are a dime a dozen, many offering free or low - cost trips as a ruse to get your credit card information or rack up your long distance phone bill.

CBS News recently reported that 40 million Americans have an error on their credit report, with half of these errors significantly lowering the innocent person's credit score, sometimes by as much as 50 points.

Liew said that with the wide variations in credit quality across emerging markets, from non-investment grade countries such as Argentina and Venezuela, to single - A rated ones, such as Malaysia, GIC was looking for «idiosyncratic situations,» in emerging markets which were likely to converge with lower - yielding developed markets.

Hard inquiries on your credit — such as applying for a retail credit card — can lower your score temporarily, so avoid those activities in anticipation of a mortgage or loan application.

Pros: Microloans are awarded to businesses with lower credit scores than banks require and they don't require as much documentation.

Low natural gas prices, combined with changes in the provincial tax regime, probably deserve as much credit as the worldwide economic downturn for the carnage that has subsequently ensued, with at least 40 B.C. resort and condo developments in creditor protection or receivership, according to Jurock.

And it comes with other benefits as well, he discovered, such as lower transaction fees than credit cards, and it's «a lot easier to handle than cash.

MORE SHOES TO DROP: The stock slump led to a massive unwinding of a short position in products related to the VIX volatility index, as Credit Suisse and Nomura announced the shuttering of their respective exchange - traded notes that bet on lower volatility.

The suit alleges the defendants are acting as a monopoly by keeping fees they charge merchants for credit card transactions artificially high and that those fees would be lower in a free market environment.

As you consider whether to buy a house, it helps to get your credit card balance down as low as possible and to examine consolidating your debts into lower monthly paymentAs you consider whether to buy a house, it helps to get your credit card balance down as low as possible and to examine consolidating your debts into lower monthly paymentas low as possible and to examine consolidating your debts into lower monthly paymentas possible and to examine consolidating your debts into lower monthly payments.

Still, the temptation now to use historically low - interest money from mortgages, personal credit lines and 401 (k) plans to invest in the stock market is great, especially as the Dow is reaching historic heights at more than 26,000 — a milestone unfathomable in 2009, during the Great Recession.

It also offers specific policy recommendations including providing tax credits to promote venture capital investments in minority businesses, as well as tax credits for new low - income entrepreneurs, and encouraging the use by credit rating agencies of alternative data such as rent and utility payments in establishing credit histories.

Canada made its name in Hollywood as a low - cost location in the days of the 65 cents dollar, and since a federal film tax credit was instated in 1997, each province has been scrambling to stand apart.

The most promising features is the low monthly rate of $ 19.95, which only charges a 1.6 percent charge for credit card swipes, as opposed to the standard 2.40 percent rate.

Hayashi remarked low credit card penetration - Singapore being the exception - in the region meant there was an opportunity for retailers to reach out to local customers in big markets such as Indonesia through local payments methods - such as Mandiri Clickpay in Indonesia and GCash in the Philippines.

While using a credit card or a mobile payment isn't too difficult for younger residents, there are people such as the elderly or in lower - incomes who aren't as digitally savvy or connected.

«Canada was identified as a best - practice jurisdiction,» the report, called The Future of Canadian Manufacturing: Learning From Leading Firms, «because of its low corporate tax rates, research and development tax credits, accelerated capital cost allowance and duty - free imports of capital equipment.

In some cases, you may save money by consolidating your credit card balances onto one low - interest card, as opposed to having that same balance spread over several higher interest bearing cards.

These scores a key to getting approved for financing and trade credit, as well as qualifying for lower rates on things like business insurance and certain loan options.

Statistics Canada reported the key ratio crept lower as total household credit market debt, which includes consumer credit, mortgage and non-mortgage loans, increased 1.1 per cent in the fourth quarter to $ 2.13 trillion.

Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders.

In fact, credit spreads in many markets are trading at the lowest levels as a percentage of their overall yield in a decade (see chart below).

A business line of credit is a flexible, often low - cost way to cover short - term financing needs such as purchasing inventory and making on - time payroll.

Lenders who specialize in first - time homebuying offer FHA loans or other programs with low down payment requirements, as well as loans to borrowers with lower credit scores.

By refinancing when you are earning a salary and have a better credit score, you might be able to lower your interest rates substantially, even as low as 3 percent.

You can lower your credit utilization by creating a plan to pay down an existing balance as quickly as possible.

If you have a lower credit score, you will also have more luck with online lenders, as some will accept borrowers with scores as low as 580, and sometimes lower.

As a general rule, your chances of approval are lower unless your credit score is at least 660 and you have a history of making regular, on - time payments on your student loans.

The system could be expanded to include taxpayers with income from dividends, interest, pensions, individual retirement account distributions, and unemployment insurance benefits, as well as low - income earners qualifying for the earned income tax credit (EITC).

While aiming for a high credit score is a worthy goal, sometimes a lower credit score in the short term as a result of consolidating debt may be worth the sacrifice to save money on interest payments and pay off your debt faster.

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.