Sentences with phrase «using credit ratings»

Using credit ratings as a determinant for the best auto insurance rates has stirred some controversy, but unless legislation is passed disallowing the practice, it's a good idea to err on the side of safety and keep your credit record as clean as possible.

Insurance companies have started using credit ratings of their policyholders to determine risk.

Traditionally, market participants have used credit ratings to assess the creditworthiness of the borrower and as consistent standards so they could make comparisons across geographies and sectors.

Lenders use credit ratings and reports to decide whether to lend to borrowers, and how much to lend.

Banks use a credit rating score to determine APR to be set for your auto loan.

In a 2009 discussion for National Public Radio, evidence is shown to support the claim that employers indeed use credit ratings to determine the trustworthiness of a candidate, as well as to judge the character of a person they consider qualified to work for them.

Lenders use your credit rating to decide your future credit performance.

For example, if NRSRO X rates a security AA -, NRSRO Y rates the same security an A and NRSRO Z rates it a BBB +, the fund company should use the credit rating of «A» in its reporting to Morningstar.

Even after the ruling from the Privacy Commissioner The Personal maintained its argument that «it only used credit rating information for fighting fraud.

In the past few years insurance companies have been allowed to use your credit rating to determine your car insurance rates.

Currently, most states allow insurers to use your credit rating in determining your insurance rates.

Maintain good credit: Insurance companies use your credit rating as a tool to see how likely you are to pay your premiums on time and as a measure of responsibility as an indicator of your likelihood of filing a claim.

Folks also use credit ratings for any number of reasons beyond just as a basis to make securities investments.

Not exact matches

When used correctly, your credit rating — and ultimately the amount of capital you can get — can grow positively.

Reports are also the basis for your credit score, that three - digit number in the 300 - 850 range (the higher the better) that lenders use as a measure of your creditworthiness to approve loans and set interest rates.

The other is that if a homeowner opens a HECM credit line, but doesn't use it right away, it can earn interest over time, at the prevailing mortgage rate plus 1.25 %.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

The government also laid out a number of ways to improve the accuracy and operation of the credit scoring companies to prevent or fix the errors in the reports that lenders use to assess borrowers» creditworthiness and set rates.

The city is weighed down with debt, billions in unfunded pension obligations, declining credit ratings, a police department often accused of using excessive force against African - Americans, a rising tide of murders, and a host of other troubles.

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.

They also eventually will be shifted to new, time - of - use power rates, which could result in lower credits.

Of course, closing a credit card could be problematic for another reason: The effect it has on your credit utilization rate, which is how much credit you're using out of the total amount available to you.

Fundbox uses a proprietary algorithm to gauge likelihood of repayment, starting with your financial data — including accounts receivables, client financial statements, cash flow and payment history — and moving on to public data such as credit ratings, government information and social media accounts.

The federal funds rate is the rate that banks use to set the prime rate, their own lending floor for everything from credit cards to lines of credit and commercial loans.

The rest of the new rules are set to go into effect in February, including regulations on interest - rate increases and disclosure rules that more clearly spell out the cost of financing using credit cards.

In three rounds, the last of which concluded in 2014, the central bank credited itself with funds that it then used to buy debt — Treasurys and mortgage - backed securities, the latter in an effort to drive down rates on housing loans during the worst real estate market since the Great Depression.

Private competitors complain EDC crowds them out, using the federal government's sterling credit rating, which allows it to raise capital cheaply.

Libor, or the London Interbank Offered Rate, underpins hundreds of trillions of dollars of transactions and is used to set rates on credit cards, student loans and mortgages.

If companies used certain credits or engaged in foreign repatriation, their effective rate would fall below 20 percent and trigger the AMT.

Asset financing is a process through which a company uses its own assets to gain access to funding that would otherwise be unavailable to it, usually owing to poor or mediocre credit ratings.

Many small business owners currently use Square, another credit card processor, and Edery said his system is «competitive with Square» as they have the same 2.75 percent rate.

But if you close the $ 10,000 limit card — perhaps because it's not being used — your credit utilization rate jumps to 80 percent.

You can compare Boeing's rates to other banks» and credit unions» using our tool.

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.

You have three different credit scores because there are three major credit rating bureaus most commonly used to assess an individual's creditworthiness.

For some consumers, however, the credit rating of FICO Score 8 (or other FICO Score) could vary from the score used by your lender.

If you want to use your card for flying and earn airline credits at a faster rate, you may be better off with another travel card.

That's because a larger limit will increase your available credit and help lower your utilization rate, the percentage of your credit that you use.

Tax cuts on wealth are promoted as if they will be invested rather than used to pay the financial sector more interest or be gambled on currencies and exchange rates, interest rates, stock and bond prices, credit default swaps and kindred derivatives.

To qualify for the lowest rate presented, a borrower will need an excellent credit profile, take the loan out with a qualified co-borrower, use their loan to consolidate existing debt, and authorize the direct payment of that debt to their existing creditors using the loan proceeds.

The threshold, target, and maximum percentage business line goals shown for the named executives listed in the table above were derived using certain assumptions for 2008 with respect to the general economic, interest rate, credit, and regulatory environment in which we operate and certain assumptions as to the outlook for the businesses each of them managed.

NDP commitments include a two point cut in the small business tax rate (already implemented by the Conservatives); extension of the accelerated capital cost allowance for two years (already implemented by the Conservatives (but with a different phase in); an innovation tax credit for machinery used in research and development; an additional one cent of gas tax for the provinces for infrastructure; a transit infrastructure fund; increased funding for social housing; a major child care initiative; and, increasing ODA funding to 0.7 per cent of Gross National Income (GNI).

Accumulation Advantage can help clients address their accumulation needs using a variety of crediting methods including annual point - to - point with a participation rate.

NDP promises include a two point cut in the small business tax rate (already implemented in the budget by the Conservatives); extension of the accelerated capital cost allowance for two years (also already implemented by the Conservatives); an innovation tax credit for machinery used in research and development; an additional one cent of gas tax for the provinces for infrastructure; a transit infrastructure fund; increased funding for social housing; a major child care initiative; increasing ODA funding to 0.7 per cent of Gross National Income (GNI); and restoring the 6 % annual escalator to the Canada Health Transfer.

The components of the securities held by the Fund will be rated by Chinese credit rating agencies, which may use different criteria and methodology than U.S. entities or international credit rating agencies.

In most cosigning situations, the lender will use the higher credit score of your cosigner to determine the loan rate.

Before you borrow, credit scores are used to determine eligibility for PLUS loans, and interest rates for private loans.

All of this information is used to calculate your credit score, the three digit number used to determine your credit worthiness, which we all know is extremely important in determining whether or not a creditor will lend you money and at what rate.

Your credit score, income, down payment size, and other factors used by other lenders to set home loan terms are the basis for your mortgage interest rate.

Last year, Shell purchased 550,000 tonnes of offsets, generated 615,000 credits through the use of cogeneration, and was still short of their compliance targets and so had to pay into the CCEMF at the specified $ 15 / ton rate.