Sentences with phrase «see as a credit risk»

Because of the added risk that the lender takes out when granting credit to you regardless of your payment history, you can expect to pay a tad more interest than a traditional borrower with good credit who is not seen as a credit risk to the lender.

If that bank checks your credit report, as part of their business practice, they may close your account when they see that you're settling accounts because they now see you as a credit risk.

Banks may simply change the guidelines for what number they see as a credit risk, and they can do it on the fly.

Not exact matches

But if you have recently been denied credit, it's an indication the lending system sees you as damaged goods that they are unwilling to take a credit risk on.

«Given (new CEO Christian Sewing's) background in credit risk and commercial banking it could be seen as a signal of a move from investment banking,» Colin McLean, managing director at SVM Asset Management, told CNBC in an email.

Barnett notes that if you have not positioned your personal credit such that a bank will see you as a strong enough credit risk, they won't lend to you.

As a general rule, banks prefer to see borrowers with personal credit scores over 680, they like to see a good number of years in business, and generally don't like to lend to restaurants (they perceive them as higher riskAs a general rule, banks prefer to see borrowers with personal credit scores over 680, they like to see a good number of years in business, and generally don't like to lend to restaurants (they perceive them as higher riskas higher risk).

We still see a role for credit in bond portfolios but, overall, prefer to take economic risk in equities, as reflected in our recent downgrade of U.S. credit.

European bond buyers, for their part, have gone «risk - off» on what they see as exotic credits, Burgin says.

Multibank, Global Bank Corporation and Banco Latinoamericano de Comercio Exterior all saw steep penalties hit their credit ratings as the agency felt there was elevated risk from the trio of banks.

Following the November 2016 election in the U.S., we saw a surge in risk sentiment, where assets with perceived credit risk gained and assets thought to be risk - free sold off, as investors rotated their portfolios (PC1).

As you can see, taking additional credit risk by lending to lower quality companies produces higher returns and higher volatility.

Borrowers with a poor credit score are seen as being at a higher risk of defaulting on a loan.

High time he got some credit as one of the, if not THE (along with Sean Penn) greatest actor of his generation — so few actors take risks, the great one always do, and each time I see Downey I know for a fact I am going to see something different than anything he has ever done before.

As you can easily see, if your reports show that you are revolving balances on your credit cards from month to month, especially high balances when compared with your credit limits, it might make you appear to be a higher credit risk in the eyes of a lender.

Now the credit bureaus have decided to discount the remaining tax lien data and remove it from credit reports, meaning some individuals could see as much as a 30 - point boost to their FICO scores, according to LexisNexis Risk Solutions.

So, granting car loans with bad credit is not seen as such a major risk.

Unlike those with good credit, bad credit borrowers are seen as a risk to the lender, due to their previous performance when they were granted credit with other banks or lending institutions.

The more cards you apply to within a short time, the more points are subtracted per application (someone aggressively pursuing new credit is seen as a much higher risk).

They do have to protect the money that you have borrowed and because you have poor credit they will see you as a high risk.

If a creditor sees you as a higher risk, they may still loan you money or offer you credit.

At this stage of your credit history, there will be larger fluctuations because you're still seen as a bit higher of a risk as a «newbie».

A mortgagor or a car lender is much less interested in your revolving credit balance than a credit card company, who might see you as a bit of a risk if you've not used credit cards for a long time and suddenly asking for a card might be a sign that you just got laid off (or simply are going to change your behavior).

So, granting mortgage approval despite poor credit scores is not seen as such a huge risk.

If you have a good record with your existing credit card issuer, they are likely to see you as a good credit risk and worthy of an upgrade.

For people with low credit ratings, banks will not offer mortgages because they see these homebuyers as being at risk of not making payments.

When you don't have any, they will likely see you as a higher risk than those who do have credit cards.

Lenders see you as a risk and one of the downfalls of this is having to pay more in the long run simply because your credit score is low.

When your new finance source pulls your credit report and sees that you've made every single payment on time, every time, for a good chunk of time, they are going to view you as less of a risk, and will be more willing to work with you on terms and rates.

As a general rule, banks prefer to see borrowers with personal credit scores over 680, they like to see a good number of years in business, and generally don't like to lend to restaurants (they perceive them as higher riskAs a general rule, banks prefer to see borrowers with personal credit scores over 680, they like to see a good number of years in business, and generally don't like to lend to restaurants (they perceive them as higher riskas higher risk).

As a result, your credit score is lowered because applying for credit is seen as a adding risk to your financial profilAs a result, your credit score is lowered because applying for credit is seen as a adding risk to your financial profilas a adding risk to your financial profile.

If you have good credit, you can get a mortgage loan from most lenders with only a 5 % down payment, because you're seen as a low risk.

You're not seen as much of a credit risk, so loans will be easier to come by.

They rarely look at this credit report manually, but it's used by scoring algorithms to see how worthy of credit you are (really they are checking your risk as a customer.

If your credit is poor, a lender will likely see your request as a greater risk, leading to denial.

We still see a role for credit in bond portfolios but, overall, prefer to take economic risk in equities, as reflected in our recent downgrade of U.S. credit.

If your credit score is below 650, lenders will see you as a high risk, which means a lesser chance of getting a loan approved.

Stability, in turn, helps them see you as a good credit risk, which helps make it easier for you to receive a credit card, apartment lease or auto loan — and the opportunity to improve your credit score.

Some ways you can ensure your credit report helps lenders see you as a positive risk include:

Thanks to academic scholarships, I graduated as one of those unicorn debt - free millennials, and I quickly learned my lack of student loans meant creditors (or more importantly for me — a landlord) saw me as a risk due to minimal credit history.

As you have bad credit your lender will see you as a high risk borroweAs you have bad credit your lender will see you as a high risk borroweas a high risk borrower.

In the construction of the S&P U.S. High Yield Low Volatility Corporate Bond Index, an individual bond's credit risk in a portfolio context is measured by its marginal contribution to risk (MCR), calculated as the product of its spread duration and the difference between the bond's option adjusted spread (OAS) and the spread - duration - adjusted portfolio average OAS (see Equation 1).

This tells lenders that you are a responsible borrower and they may be more likely to see you as a good credit risk and approve you for credit.

On the other end of the spectrum a low credit score tells a lender you could be doing better with your credit and they see you as a bigger risk when lending you money or giving you credit (like on a credit card account).

«Soldiers were the people originally most likely to be wandering around with chunks of (looted) gold and silver to begin with, to be looking for the good things in life, and — being heavily armed and itinerant — to be the last people in the world an ancient merchant would see as a good credit risk.

However, if you come bearing a high credit score, the utility company will see you as less of a risk and may allow you to forego the security deposit.

Contagion fears, which have been exacerbated by recent negative ratings action by Moody's on France's top three banks — BNP Paribas, Credit Agricole and Societe Generale — has seen a sharp drop of S18 billion in short - term lending to European banks since May as money market accounts and dealer balance sheets are becoming more risk averse, according to Barclays research.

They want to make bigger loans to more established businesses with high credit scores and will often offer unsecured loans only to companies they see as low - risk.

So if you've had a credit card or two and have paid down the debt, you are seen as a good credit risk.

Unsecured loans exist, but without some type of collateral, these loans present a greater risk to a lender, especially with customers with low credit — this is usually where your low - credit will be reviewed, and why you're seen as a high - risk, and usually denied.