Sentences with phrase «credit used make»

Length of credit history accounts for 15 %, while new credit and types of credit used make up 10 % each.

Another factor that weighs heavily on your credit score is your credit card utilization: The ratio of available credit to credit used makes a big difference.

Payment history makes up 35 % of your score, the amount you owe makes up 30 %, the length of your credit history makes up 15 %, the type of credit you use makes up 10 %, and whether or not you have new credit accounts makes up 10 % of your score.

For example, types of credit used makes up 10 % of your overall credit score and new credit makes up an additional 10 %.

Pay Down Your Credit Card Balances Since the amount of credit you use makes up such a large part of your credit score, paying down your balances will have a dramatic, positive effect.

Not exact matches

Still: decreasing your percentage of available credit used can make a quick and significant impact on your credit score.

Shopkeepers want leverage to negotiate lower fees so they don't have to hike prices; credit companies oppose changes that would make it more difficult to use their cards.

Alternative lenders were willing to provide capital to businesses that otherwise could not secure credit, and their use of technology enabled them to make quick decisions.

Layaway programs: Layaway — in which you plunk down a deposit on a costly item and make a series of installment payments toward it — is an alternative to using a credit card.

«When you make payments in physical locations using your credit card, all you're doing is providing credentials that tie you to the account you're making a payment from,» he notes.

Any funding should be used to work toward the goal of making the company and the owner a better credit risk in the future.

«Apple Pay is by far the most secure way to make a payment in general today,» McKee says, noting that it uses biometrics and tokenization (in which the credit card number is replaced with a unique code recognized by the bank).

Backed by MasterCard's MasterPass system, the banks» apps will allow customers to load their debit and credit cards onto their smartphones, then use them to make transactions at merchants who have tap - and - pay terminals.

Instead, senior loan officers have authority over whether to make loans, and the company uses proprietary algorithms that look at applicants» credit history to determine their credit worthiness, SoFi said.

These trends, combined with the now - widespread use of debit [and credit] cards, have made carrying cash a rarity for many.»

Rep. Steve Cohen, a Tennessee Democrat, introduced a bill last summer that would amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against employees «for the purposes of making adverse employment decisions.&Credit Reporting Act to prohibit the use of consumer credit checks against employees «for the purposes of making adverse employment decisions.&credit checks against employees «for the purposes of making adverse employment decisions.»

Because one - in - four small - business owners use home equity to finance their businesses, this policy makes it more difficult for some small - company owners to obtain credit for their companies.

A tightening of bank lending standards and a drying up of the home - equity - loan market in the post-financial crisis era have made small business credit less available than it used to be.

Purchases of usage subscriptions (including credits, points, and / or virtual currency) or any virtual items made available on the online services are nonrefundable, have no monetary value (i.e., are not a cash account or equivalent), and are purchases of only a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable right to use, even if such came with a durational term (e.g., a monthly subscription).

Swan Taxis has launched an update for its app, which now allows customers to book a cab ride and make automatic cashless payments with the use of a credit card, similar to the service offered by competitor Uber.

Always make purchases in the local currency using your credit card, said Matt Schulz, senior industry analyst for CreditCards.com.

When making a purchase, use a credit card, said Papadimitriou.

Under the changes due to be introduced on January 13, surcharge fees will be eliminated for payments including those made on American Express credit cards, Paypal and Apple Pay, going further than a European Union requirement to eliminate fees for consumers using Visa and MasterCard cards, the ministry said.

If you don't care much about extra perks and just want to use your credit card to make business purchases, you could be missing out on a great opportunity to save money for your business.

«This program was supposed to make sure credit flowed to Main Street,» Republican Sen. Charles Grassley recently noted, «but instead it has been used as a slush fund to pick winners and losers in New York and Detroit.

Right now, if someone steals your credit card information, it's a cinch for thieves to use it to make a counterfeit card.

In cases when they do - such as with the work disincentive effects of means - tested tax credits used for the purchase of health insurance - it's better to hold off on those attacks or make them more nuanced.

Tips to keep meetings from gobbling up your team's days are all over the map, including forcing employees to pay for the time they use out of a set budget of «credits» — or just making everyone stand up.

A partnership with credit - card company Discover, announced last year and slated to begin later this year, would allow customers at more than 7 million physical store to make purchases using their PayPal accounts.

Manufacturers of seasonal equipment are among the types of businesses that could make good use of a line of credit.

The idea was to loosen up SBA credit by unfreezing the secondary market for those loans; banks or middlemen who sell their loans to the government could then use the proceeds to make or buy new loans.

Of course, using a credit card makes it easier to overspend with the resulting debt hangover, since travelers spend an average of $ 1,900 on their family's summer vacation.

Customers can make purchases directly through the marketplace using the Square Wallet app or by entering their credit card information.

Called the Bellamy, after Edward Bellamy — an American writer who predicted credit cards well before their time — the watch uses a near - field communication (NFC) chip that allows the wearer to make payments at certain card merchant readers.

«Payments made with virtual currencies are not only irreversible,» the report continues, «they also do not have the same legal protections as most traditional payment methods, such as the ones you have when using a credit card.»

Many startups are making decisions about a customer's credit record using non-traditional data.

The couple — she was a social worker, he was an engineer — took out a second mortgage to set up a brewing operation and made liberal use of several $ 10,000 - limit credit lines.

Depending on your income tax bracket, you should also consider whether it makes sense to use a dependent care flexible spending account — if your employer makes one available — or the child and dependent care tax credit.

And Berkshire can use its credits for its entire company, which made $ 28 billion in operating income in 2015.

«Among other things, I was able to use my credit line to buy a $ 4,000 piece of playground equipment for only $ 2,000 because I had the money in place to make a purchase right then and there,» she says.

These lenders make the loans themselves, using their own credit scoring models, and hold the loans on their own books.

Focus on using and making progress with any credit accounts you currently have open, and avoid any new openings.

A startup is offering to make online payments safer by allowing people to use disposable credit card numbers.

To qualify for this guarantee: (i) you must have filed your original 2017 federal income tax return through Credit Karma Tax on or before April 16, 2018; (ii) you must be entitled to a federal tax refund from the IRS; (iii) you must have filed an amended federal income tax return using the same Tax Return Information through another online tax preparation service; (iv) your amended return must have been accepted by the IRS; (v) you must submit your complete Max Refund Guarantee claim to Credit Karma Tax no later than December 31, 2018; and (vi) the larger refund can not be attributed to claims you make on your tax return that are contrary to law.

Moody's credit ratings and publications are not intended for retail investors, and it would be reckless and inappropriate for retail investors to use Moody's credit ratings and publications when making an investment decision.

Use your Mastercard access card to make purchases from your line of credit.

Business credit cards and business charge cards are very similar to one another — you can use either type of card to make purchases against a line of credit, which has to be paid either partially or in full by the end of the month.

Improve your cash flow If you need to make purchases for your business before your customers pay you, using credit cards can be a smart practice — as long as you're assured of getting the funds to pay off the balance.

If you or your employees do a lot of traveling for your business, you may be able to make good use of the travel protections that frequently come on business credit cards.

You may also have an easier time getting approved for a secured credit card, which uses a cash deposit you make upon approval to «secure» your line of credit.