Sentences with phrase «years of credit history»

I have 8 years of credit history with Wells Fargo, no missed / late payments ever.

Also, this might be a useful data point for some people who want to apply for the card — if you have only a couple of years of credit history the application seems to be automatically denied.

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

If your business has less than two years of credit history, our Visa ® Secured card might be right for you.

Student must have a minimum of two (2) years of credit history and a minimum of three (3) trade lines on their credit report.

To further complicate matters, some calculations look at the full seven years of credit history (FICO) and others at shorter periods like two years (VantageScore).

Todd Nelson, Director of Business Development at Lightstream says, «To qualify for a LightStream loan, a consumer must have good to excellent credit, which includes several years of credit history, demonstrating the ability to pay their bills on time without delinquency.

According to the company, «excellent credit» means no payment delinquencies, a proven ability to save money, sufficient income to cover debts, five or more years of credit history, and a variety of account types.

People with over 10 years of credit history tend to have better scores so the key is to start building your credit early.

In general, we recommend that you have at least fair credit, several years of credit history and a reasonable debt - to - income ratio to apply for a LendingClub loan.

You (or a co-signer) will need to have a satisfactory credit score, at least five years of credit history, at least two years of continuous employment, and income sufficient to make payments.

We recommend that borrowers have FICO credit scores of at least 660 with at least two years of credit history.

Mortgage lenders will review the last three years of your credit history so it will be important to document in writing why you have a past foreclosure on your credit report.

If at all possible the last two years of your credit history need to be clean.

You should consider a personal loan from Marcus if you have strong credit and at least several years of credit history.

If you want to start a new business from scratch or get finance for your running business that doesn't have 3 years of credit history yet, you'll have to apply for an unsecured loan.

In addition, you (or a co-signer) will need to have a satisfactory credit score, at least two years of credit history, and income sufficient to make payments.

Dear Robert, Perplexing is as good a way as any to describe the feeling of waking up one day to find that 40 years of credit history have gone missing.

You don't need years and years of credit history to start checking your credit report.

To improve your chances of getting approved, we recommend borrowers have excellent credit, a debt - to - income ratio under 36 %, significant savings and at least two to three years of credit history.

This means a good to excellent credit score (680 to 850), several years of credit history, variety of account types (credit cards, mortgages, auto loans, etc.), demonstrated ability to save and low debt - to - income ratio.

You'll need a credit score of 640 or higher, a debt - to - income ratio less than 51 %, at least three years of credit history, at least two open and satisfactory trades (e.g., credit cards, loans, etc.), no current delinquencies and no delinquencies greater than 90 days in the last 12 months.

Banks not only want to see borrowers with good credit scores, but borrowers who have a mixture of credit and loan accounts (i.e., credit cards, loans, mortgages, etc.) and several years of credit history.

Online loans count on lenders who have developed a different set of criteria for short - term borrowers; credit scores reflect seven to ten years of credit history, which is important when taking out a loan that requires knowledge of how stable your employment and other relevant circumstances might be.

Many lenders require you to have steady income or employment, good or excellent credit and a few years of credit history.

To qualify, applicants should have good to excellent credit (a 680 + credit score), several years of credit history and a variety of account types, a demonstrated ability to save and a low debt - to - income ratio.

What you need is at least three years of credit history along with an ability to repay the money you wish to borrow.

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 %.

In general, two years of credit history is required to approve the loan and proof of current employment is required.

A: If a borrower has 20 or 30 years of credit history, then his or her FICO score will reflect whether or not he or she has made good decisions (paying back loans, etc).

Lending Club requires that borrowers have a minimum credit score of 600 and three years of credit history to apply.

* — at least 3 years of credit history, showing no current delinquencies, recent bankruptcies (7 years), open tax liens, charge - offs or non-medical collections account in the past 12 months,

While we recommend borrowers have at least fair credit to qualify, the average LendingClub borrower has a credit score of 700 with a debt - to - income ratio of 18 % (excluding mortgage or rent payments) and 17 years of credit history.

The company generally is better for individuals with debt - to - income ratios below 40 % and several years of credit history.

Either way, once you've been removed as an AU the CC issuer will no longer report you as an AU so you will lose the benefit of being an AU (in this case, I think the negative of late payments outweighs the 12 years of credit history but this is something to keep in mind).

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.).

If you start taking out loans as an undergraduate, you'll have at least 7 - 8 years of credit history by the time you finish residency.

To improve your chances of being approved, we recommend borrowers have credit scores of 680 or higher, significant retirement or other savings, a low debt - to - income ratio, a variety of credit or loan accounts and several years of credit history.

His parents, on the other hand, will have at least several years of credit history and annual income.

If you didn't take out student loans as an undergraduate but you did as a graduate student or medical school student, you'll still have a few years of credit history under your belt.

Consumers who have 5 to 8 years of credit history have on average, credit scores that are 40 + points higher than those with 1 to 2 years under their belt.

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.

A person with average credit history according to Capital One ®'s underwriters has had less than three years of credit history, and a defaulted loan in the past.

You can sometimes overcome a less than stellar credit score by having a low debt - to - income ratio, savings built up, several years of credit history and a good annual income.

Similar to Citibank, we recommend borrowers have strong credit, a reasonable debt - to - income ratio and several years of credit history to improve their chances of getting approved at Marcus.

If you want to boost your chances of getting approved, we recommend that you have at least two to three years of credit history, a credit score of 680 or above and a debt - to - income ratio under 40 %.

The company is also very clear about what it takes to qualify for one of its loans: a minimum FICO score of 660, a debt - to - income ratio of 50 % or less, three years of credit history, two open and satisfactory trades, no current delinquencies and no delinquencies greater than 90 days in the last 12 months.

This means having a few years of credit history, a variety of account types (i.e., credit cards, mortgages, installment loans, etc.), liquid savings and assets and a low debt - to - income ratio.

A person with average credit history according to Capital One ®'s underwriters has had less than three years of credit history, and a defaulted loan in the past.

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 %.