Sentences with phrase «of credit history in»

Another thing I want to say is the fact that getting hold of duplicates of your credit history in order to scrutinize accuracy of any detail may be the first activity you have to carry out in credit improvement.

I don't think I have much of a credit history in the US yet.

Some consumer groups object to the use of credit history in setting insurance rates, saying it may unfairly penalize consumers who have experienced tough financial times.

While payment history is one of the key factors affecting your credit score (accounting for 35 % of the final score) other factors such as amounts owed in relation to the total credit available and the length of your credit history in general, are also key.

Interestingly, this company told me that they intended to decrease the use of credit history in the future because of improvements in technology that will enable them to better prevent embezzlement by employees in the future.

Lenders and credit card companies use the length of credit history in various ways.

Promoters of the use of credit histories in employment have tried to link credit history to job performance by citing an Association of Certified Fraud Examiners report noting that two warning signs exhibited by some fraudsters were living beyond their financial means or experiencing financial difficulties.27 However, while some fraudsters may have had financial difficulties, it is a far cry to say that any worker with financial difficulties has a propensity to be a thief.

Not exact matches

Essentially, a company credit report gives you the benefit of seeing an objective summary of a company's credit history and from this you get its credit score, which is used by all financial institutions in assessing credit worthiness.

Corman is also credited with discovering Jack Nicholson, who appeared in many of the filmmaker's productions before becoming one of the biggest movie stars in history.

Whether or not an individual engages in environmentally sustainable behavior or criticizes the government can impact their score, along with their education level, purchase history and even the social credit scores of people with whom they associate, Wired reports.

«If we can be exposing a sixth grader to the idea of FAFSA and student loans and credit history and credit reports, that student will be in a much better position in high school and beyond.»

In response to the worst housing downturn in modern US history, the Fed bought billions worth of mortgage - backed securities in an effort to thaw frozen credit marketIn response to the worst housing downturn in modern US history, the Fed bought billions worth of mortgage - backed securities in an effort to thaw frozen credit marketin modern US history, the Fed bought billions worth of mortgage - backed securities in an effort to thaw frozen credit marketin an effort to thaw frozen credit markets.

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.

The infographic below, compiled by webmaster tool WhoIsHostingThis.com, looks back at some of the worst data breaches in history, starting with the TJ Maxx hack in 2005 and 2006 where some 94 million credit cards were compromised.

Some experts have even suggested that financial institutions may want to check the credit histories of people in your online network to help determine your creditworthiness, with the idea being that people tend to share the same consumer habits as their peers.

He also corrects the common misconception that a card closing means you lose the age of that card when it comes to your credit history (another factor in your score).

You don't need perfect credit to qualify for a microloan, since microlenders often consider your credit history in the context of your whole application.

Zhima Credit is an optional service embedded in Alipay that calculates users» personal credit based on data such as spending history, friends on Alipay's social network, and other types of consumer behCredit is an optional service embedded in Alipay that calculates users» personal credit based on data such as spending history, friends on Alipay's social network, and other types of consumer behcredit based on data such as spending history, friends on Alipay's social network, and other types of consumer behavior.

Similar to your personal credit score, you business credit score is based on your credit - use history, how many lines of credit you have, how you pay your bills, the size of your company, and how long your company has been in business.

That's because without a credit history, banks don't know what kind of borrower you'll be in the future.

OneMain makes loans above the illustrative amount (s) mentioned in this advertisement, but the maximum loan size depends on your credit history, with larger loans only available to a small number of highly qualified applicants offering collateral.

At present, there are multiple shops in the cybercrime underground that sell everything one would need to steal someone's identity in the United States or apply for new lines of credit in their name — including Social Security numbers, addresses, previous addresses, phone numbers, dates of birth, and in some cases full credit history.

Once you get a business credit card, use it regularly to make business purchases and pay the bill on time — ideally in full — to build a history of using it responsibly.

All of this depends on your credit history and financial standing, so only student debtors who are in good standing with their loans are typically in a position to refinance effectively.

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.

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.

«With low credit card penetration and the lack of structured credit history, this large segment of the Indian population resorts to availing credit from informal sources at high interest rates,» the company said in the statement.

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.

At the other end of the scale, those with the muckiest credit histories borrow an extra $ 0.58 for every $ 1 hike in their credit limit.

As for the other players, length of credit history comes in at a respectable 15 percent.

Unlike your personal credit, it's not expressed in a fairly universal score, but rather is typically expressed in a series of reports that address how timely a business repays vendors who offer payment terms, their payment history with any current small business loans, industry information (including the overall creditworthiness of other businesses within that industry), and comparisons between the business and others within the same revenue class, size, number of employees, and the region where they do business.

Many business credit cards report your transaction history to the business credit bureaus instead of the personal credit bureaus, which is important for business owners interested in building their business credit and protecting their personal credit.

The length of your credit history is the third most important factor in your credit score.

Credit Karma pulls in a large amount of information from traditional credit reports — account overviews, payment history, credit inquiries and public records — and builds a level of personalization on top of this to guide users and highlight items that require their atteCredit Karma pulls in a large amount of information from traditional credit reports — account overviews, payment history, credit inquiries and public records — and builds a level of personalization on top of this to guide users and highlight items that require their attecredit reports — account overviews, payment history, credit inquiries and public records — and builds a level of personalization on top of this to guide users and highlight items that require their attecredit inquiries and public records — and builds a level of personalization on top of this to guide users and highlight items that require their attention.

In some cases, applicants who bring in a cosigner with an ideal credit history can improve their chances of getting a lower interest ratIn some cases, applicants who bring in a cosigner with an ideal credit history can improve their chances of getting a lower interest ratin a cosigner with an ideal credit history can improve their chances of getting a lower interest rate.

While getting one of the above credit cards will surely earn the best value for the time being, you'll want to continue to build your credit history in order to get even better credit cards and maximize your savings.

Comparing our opportunity to Japan's, isn't our sovereign credit risk much higher than Japan's in terms of per capita GDP growth, structural balance - of - payments deficit, history of default and history of inflation?

Businesses will need at least two months of credit cart processing history and at least $ 5,000 in monthly credit card sales volume.

In terms of other features, the Chase Slate ® comes with the ability to monitor your FICO score, which can be a nice benefit to individuals working on building their out their credit history.

Other ways to keep your credit file in order include maintaining a long credit history, having a good credit mix, and reducing the number of times you apply for new credit.

You will need at least three years of credit history and two current credit accounts in good standing (i.e., credit cards, mortgages, installment loans, etc.).

The majority of private student loans in the United States require the borrower to have a cosigner, unless the borrower is over the age of 25 or has a strong credit history.

One specific feature of the incentive package was the inclusion of transferrable tax credits — the largest ever offered in the history of the state — that were ultimately sold by Tesla to the MGM Grand for which the GOED took heavy fire.

With the S&P 500 within about 8 % of its highest level in history, with historically reliable valuation measures at obscene levels, implying near - zero 10 - 12 year S&P 500 nominal total returns; with an extended period of extreme overvalued, overbought, overbullish conditions replaced by deterioration in market internals that signal a clear shift toward risk - aversion among investors; with credit spreads on low - grade debt blowing out to multi-year highs; and with leading economic measures deteriorating rapidly, we continue to classify market conditions within the most hostile return / risk profile we identify — a classification that has been observed in only about 9 % of history.

In order to determine the APR for your particular loan, Raise will look at your credit history (and that of any cosigners), chosen loan term, and the amount you're asking for, as well as any income and other application information.

In addition, qualifying for a personal loan is based on your personal finances and credit history, not those of your business, which makes them a popular option for startups and businesses that can't otherwise get funding from conventional sources.

Each private student loan lender has a set of criteria that must be met in order to qualify for a new private student loan, and the terms of each loan vary depending on the credit history of the borrower and co-signer.

Although it's not one of the top factors in most scoring models it does make up roughly 15 % of your credit history, at least when it comes to FICO scores.

* NOTE: We previously indicated that loan consolidation would result in removal of the record of default from a borrower's credit history.

Obviously this set of scenarios — in which GDP grows on average at rates between 3 % and 6 % for ten years while credit efficiency is improved so dramatically that in 5 - 6 years China begins to deleverage and by the end of the period these growth rates can be maintained with no growth in credit — is theoretically possible, but just as obviously it is highly implausible, and I can not think of any country in history that has achieved such a turnaround in its financial sector without having first experienced a brutal financial crisis.