Sentences with phrase «less access to credit»

Asset holdings are lower in states with high exemptions, suggesting that the consumption smoothing result is driven by lack of self - insurance, not by less access to credit.

Their costs have gone up, and they have fewer choices, more hassles and less access to credit,» Hensarling declared in introducing his legislation in April, decrying new regulations on credit cards, mortgages and other financial products.

Not exact matches

Whereas successful companies have «experience navigating the lending landscape, more available credit and frequently monitor their business cash flow,» according to the report, underperformers suffer from «less knowledge about financing products, lower personal credit scores, less access to financing and fewer formal financial management practices in place.»

But this year he has quietly introduced less obvious — some might even say devious — methods of making credit more expensive to access.

After a slow and steady recovery following the housing crisis of 2008, Leibowitz explains that American consumers generally had fewer problems with their mortgages, better employment prospects, and greater access to credit, which made them less likely to file.

One drawback: they have to have enough cash flow, or they must have access to credit lines that cost less than the 10 % interest that building owners typically charge.

Credit score: If your business» credit score is less than good, you might not be able to access long - term commercial real estate finaCredit score: If your business» credit score is less than good, you might not be able to access long - term commercial real estate finacredit score is less than good, you might not be able to access long - term commercial real estate financing.

For example, investors might use the iShares iBoxx $ High Yield Corporate Bond ETF (HYG) to gain access to greater credit risk through an ETF focused on bonds rated BB and B, and the iShares iBoxx $ Investment Grade Corporate Bond ETF (LQD) to gain access to less credit risk through an ETF focused on bonds rated A and BBB.

This is one reason why borrowers with excellent credit get access to lower mortgage rates, on average, as compared to borrowers with less - than - perfect credit.

Generally, cities and towns with a population less than 20,000 qualify, but bigger cities are eligible if they are «rural in character» or don't have good access to mortgage credit.

To its credit, my son's elementary school has made some positive changes in recent years, including stopping the sale of cookies and brownies at morning recess; banning vending machines in student access areas; and restricting bake sales to once a month or lesTo its credit, my son's elementary school has made some positive changes in recent years, including stopping the sale of cookies and brownies at morning recess; banning vending machines in student access areas; and restricting bake sales to once a month or lesto once a month or less.

«There are shorter product life cycles and if consumers are feeling less connected to the products they're already buying, just add easier access to credit and higher consumer debt levels and it's a toxic combination,» says Shah.

According to Thalib, «After 3 years in operation, Setipe has gained impressive traction and growth but for us to monetise effectively, Indonesia still requires strong offline services due to low credit card penetration rates and less than half the population having Internet access.

Thalib said: «After 3 years in operation, Setipe has gained impressive traction and growth but for us to monetise effectively, Indonesia still requires strong offline services due to low credit card penetration rates and less than half the population having Internet access.

Countrywide Home Loans helps homeowners - even those with less - than - perfect credit - access their home's equity to get cash, consolidate debts, and lower monthly expenses.

TMW — that's the whole point of my argument — there is not much difference between having cash and debt or having no cash and less debt as long as you have access to a line of credit.

These features might matter less for small companies, but become increasingly important as your company scales, and more employees get access to the businesses credit card account.

But as you add points to your score, you'll have access to more credit products — and pay less to use them.

Finova is best for borrowers with less than good credit who need quick access to short - term financing.

Even if you have less than stellar personal credit, many of the lenders below are willing to work with you and your business and provide you with quick access to question.

A home equity line of credit gives you access to a sizable pool of cash, usually up to about 85 % of your home's value, less the balance remaining on your mortgage and adjusted based on your creditwortthiness and ability to pay.

Generally, cities and towns with a population less than 20,000 qualify, but bigger cities are eligible if they are «rural in character» or don't have good access to mortgage credit.

When you have as little access to credit as possible, lenders will look at you as less of a borrowing risk.

A home equity line of credit, or HELOC, is a great way to gain access to a line of credit based on a percentage of your home's value, less the amount you still own on your mortgage.

My credit coaching program starts at $ 2497; so to gain access to my full suite of credit repair strategies and tactics for less than $ 20 a month is.....

Kenneth Clayton, chief counsel for the American Bankers Association, said in a response that while the CARD Act has provided significant benefits for consumers, it has also reduced access to credit for less creditworthy borrowers.

Credit score: If your business» credit score is less than good, you might not be able to access long - term commercial real estate finaCredit score: If your business» credit score is less than good, you might not be able to access long - term commercial real estate finacredit score is less than good, you might not be able to access long - term commercial real estate financing.

Despite astronomical interest rates and a reputation for less - than - desirable practices, payday loans remain an option for many borrowers without easy access to other forms of credit.

These less than fully beneficial plans being contemplated by CCA's will cause a doubling and sometimes tripling of the economic effect on the consumers who enroll in them as relates to credit reporting and access to certain types of credit products.

Borrowers with impaired credit histories may have limited access to emergency funds compared with their prime counterparts, giving them less wiggle room when debt servicing costs rise.

Within about 24 hours, or less, you will have access to the cash from your no credit check line of credit.

If I couldn't access my money quickly, I can also use a credit card which would give me enough time to withdraw from accounts that are less liquid.

Less benefits — Cash back cards tend to offer less perks, such as lounge access and annual travel credits, than co-branded, travel caLess benefits — Cash back cards tend to offer less perks, such as lounge access and annual travel credits, than co-branded, travel caless perks, such as lounge access and annual travel credits, than co-branded, travel cards.

The process of building credit is the same no matter what your strategy is, although you'll have less access to rewards cards and may have to pay some fees to build it back up.

Most consumers won't ever have access to a card as exclusive as the Centurion, but there is a host of less exclusive but impressive credit cards that can still make you feel like a member of an elite club.

Analysts at TransUnion say that may be due to the fact that consumers with less - than - perfect credit histories have had slightly easier access to credit in the past year.

Less benefits — Cash back cards tend to offer less perks, such as lounge access and annual travel credits, than co-branded, travel caLess benefits — Cash back cards tend to offer less perks, such as lounge access and annual travel credits, than co-branded, travel caless perks, such as lounge access and annual travel credits, than co-branded, travel cards.

The survey also found that consumers have become less certain about how easy credit will be to access over the next year.

Like most retail credit cards, the AT&T Access Card's APR can range on the high side, meaning less disciplined cardholders could find themselves in trouble when carrying a balance from month to month.

Working with a broad coalition, we're looking for ways to make «climate - smart agriculture» practices less risky for cocoa farmers by increasing their access to credit and developing specialized insurance products.

«Even higher - income people of color were less likely to want to use a credit or debit card to access bikes,» said McNeil.

Sears Holdings, which owns the Sears and Kmart chains, says that the breach involved unauthorized access to less than 100,000 of its customers» credit card information.

Credit for the public's newfound real estate savvy is primarily owed to companies such as realtor.com ® and others that are helping people access data that homeowners would historically have had no idea how to find, much less interpret, without an expert's guidance.

This is one reason why borrowers with excellent credit get access to lower mortgage rates, on average, as compared to borrowers with less - than - perfect credit.