Sentences with phrase «more of your credit history»

Because lenders consider your cosigner's creditworthiness and information when making a loan decision, you'll want a cosigner who has good to excellent credit history, several years or more of credit history, stable income, good employment history and a low debt - to - income ratio.

Borrowers have many years of credit history (excellent borrowers tend to have five years or more of credit history)

Not exact matches

Then, when you receive a business loan or line of credit — sometimes called trade credit — information about your payment history is compiled by one or more business credit reporting agencies, including Dun & Bradstreet, Experian, Equifax and FICO and turned into a business credit score.

Thus, they can not rely as much on the value of the housing collateral in securing their mortgage loans, and consequently now put more weight on the credit histories of the borrowers.

Borrowers also typically have several years of credit history and relatively high annual income — $ 70,000 or more.

Hackers stole Social Security numbers, birthdates, addresses, credit card and driver's license numbers of 143 million people — more than half the adult population in the U.S., and about three - quarters of all Americans with a credit history.

If you were involved in any negative financial situations in the past, those were more than likely reported to a credit bureau and form part of your credit history.

Your business credit profile is more a collection of scores and reports that describe your business» credit use and history.

For businesses with a year or more of history and revenue, you have more financing options, including SBA loans, term loans, business lines of credit and invoice factoring.

Length of credit history counts for 15 %, with longer credit histories being considered less risky, as there is more data to determine payment history.

They either don't have a long enough credit history (banks typically want two or more years of extensive history), or their scores aren't high enough (anything less than «excellent» is considered risky).

Lenders will usually only consider more established businesses with a positive credit history for a line of credit.

Without a strong credit history, millennials may find it more difficult to get an auto loan or a mortgage when they're ready for those financial commitments, says Kent Thune, president and owner of Atlantic Capital Investments in Hilton Head Island, South Carolina.

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The more major inquiries into your credit history over a short period of time, the more it can hurt.

If you have a pretty good credit history, a manageable level of recurring debt, steady income, and a down payment of 3 % or more — you might meet the minimum qualification requirements for a 30 - year fixed - rate mortgage loan.

The bank looks for borrowers with strong credit history, which means a few or more years of credit history and a credit score of at least 680.

The latest Home Buyer Reality Report from NerdWallet reveals that 39 % of denied mortgage applicants pointed to poor credit history and low scores as the reason for being turned down, and more than 50 % cited high debt - to - income ratios.

NEWARK, N.J. / BOSTON (Reuters)- Federal prosecutors said on Thursday they have charged five men responsible for a hacking and credit card fraud spree that cost companies more $ 300 million and two of the suspects are in custody, in the biggest cyber crime case filed in U.S. history.

Your credit history takes more than a decade of your past behavior into account, so it could take months or years for your credit score to reach its peak.

Your payment history makes up more than 30 percent of your credit score.

Some parts of your credit history are more important than others and will carry more weight on your overall score.

As we have witnessed since April 2009, the central banks around the globe have created more credit (counterfeit «money») than in any other period in history and now that inflation is starting to once again emerge, they are threatening to raise interest rates to get ahead of the curve.

Aside from the preferable rates, VA loans are also more tolerant of a range of credit histories, making them a viable option for veterans who might not be a great match for other loan options.

Payment history (above) and credit utilization make up more than half of your score, so focusing on these two things will be a great way to improve credit.

In addition, if you develop a history of bouncing checks or overdrawing your account, it can lead to a poor credit score and make it that much more difficult to access more traditional lines of credit, perpetuating the cycle.

Even larger, more established security companies can have problems securing financing because of an owner's poor credit history or not having sufficient assets to satisfy demands for collateral.

Must have a FICO score of 640 +, no current delinquencies, at least 3 years of credit history and a debt - to - income ratio of no more than 50 %.

Besides offering invoice factoring, BlueVine has a 6 - month line of credit for those with just six months of business history and $ 120,000 in annual revenue and a 12 - month line of credit for those with 2 or more years in business and annual revenue of $ 500,000.

A monument to the importance of that achievement for the history of the Slavs is the very alphabet in which most Slavs write, which is called Cyrillic, in honor of Saint Cyril, the ninth - century «apostle to the Slavs,» who, with his brother Methodius, is traditionally given credit for having invented it... Not only among the Slavs in the ninth century, but also among the other so - called heathen in the 19th century, the two fundamental elements of missionary culture for more than a millennium have therefore been the translation of the Bible, especially of the New Testament, and education in the missionary schools.

I would like richards as he is a gunners fan and with man citys cash flying around they will be the new chelscum and buy any player they want and pay stupid wages but unlike chelscum hughes hasn't built a starting team unlike rannieri did and I think he should of got a lot more credit as jose didn't improve much but they think he was god so just like all the chelscum fans they don't know there history.

The Northern Irishman will have to wait for a few more revisions of history to pass before he receives the credit he is due for his work at Anfield — and he is due credit — but Klopp's impact, and the difference in mindset and football between him and his predecessor has been clear, with just six league games played.

An FHA loan is much more forgiving of a limited credit history than conventional loans.

On the stand, Howe admitted to a long history of financial fraud: Embezzling more than a million dollars from his firm, stiffing contractors that did work on his house, running up debt on a friend's credit card, and once defrauding a bank of $ 45,000 that he said he'd deposited in what was actually an empty envelope.

These alternative lenders have a history of serving businesses experiencing difficulty accessing traditional credit markets; they offer more flexible underwriting and often provide other technical assistance to help businesses stabilize and grow.

This challenges the history of astronomy and tells us that Aboriginal Australians were even more careful observers of the night sky than they have been given credit for.

Vince Vaughn, the son of a salesman, is credited with the story and shares a screenplay credit with Jared Stern, which probably accounts for one of the more favorable portrayals of salespeople in recent cinematic history.

That app was one of the most widely distributed apps in history and is credited with generating more than 41,000 phone calls during the weeks leading up to President Obama's victory.

Having a good credit history makes it possible for service providers to gauge how much of a risk you are, a good rating means more financial options and opportunities — this makes it possible to apply for a bigger bond with home loan providers at low interest rates, plus you can also get various other loans from other institutions at affordable rates.

Taking advantage of sub-prime auto loans is a great way to establish a positive payment history while rebuilding your credit score over time, so don't hesitate to reach out to BMW of Bloomfield's finance department to learn more about the options available.

They do not get the concept or try to get the concept of your living expenses and financial availability they will lie straight to your face and tell you that they are going to try to get you the deal when in fact as soon as they go behind that glass box they are all buddies running your credit and saying none of it counts they do not take in credit history or kelly blue book into consideration they even told me that kelly blue book changes and when i asked when was the last time it changed the guy told me yesterday, the young woman who was trying to at least get me a pretty decent deal was looking like what the hells was going on, like hello don't you know where his financial availability is at why are you pushing him to pay more?

M&S Auto Sales offers our customers more freedom to drive and own the vehicles they really want regardless of past credit history.

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If however, a potential lender is evaluating a credit history when determining if they will extend a loan, some late payments may be more of a concern than others.

Credit scores do nothing more than give a probability that a borrower will make good, based primarily on his history of paying other people back, but also considering such measures of financial stress as how many times he has asked for a loan recently and the credit lines to credit used ratio mentioned Credit scores do nothing more than give a probability that a borrower will make good, based primarily on his history of paying other people back, but also considering such measures of financial stress as how many times he has asked for a loan recently and the credit lines to credit used ratio mentioned credit lines to credit used ratio mentioned credit used ratio mentioned above.

Additionally, even if you meet the minimum requirements, applying with a cosigner who has a stronger credit history may reduce the interest rate on your student loan rate even further, thereby saving you more money over the life of the loan.

However, Chase looks at more than just your credit score — such as your debt to income ratio, credit utilization ratio, total credit limits across all banks, the total number of credit cards that you currently have, payment history on other credit cards and other proprietary factors that Chase may have in their algorithm.

As a record of each consumer's credit history, consumer credit reports have become an integral part of the modern... read more»