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credit rating

credit rating

credit rating Sentence Examples

  • The Postgraduate Diploma in Guidance has a credit rating of 120 ' M ' level points.

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  • Getting a mortgage can be difficult tho if you have previous debts and have a bad credit rating.

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  • Handled well, a student will benefit in the future from a good credit rating.

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  • Like government bonds, they are regarded as the safest bond investments and have a high credit rating.

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  • I quote: " I have refinanced mortgages for lower rates recently â perhaps my credit rating is lower than GE!

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  • prepaid card can help rebuild a poor credit rating.

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  • There are no refunds payable for one-off purchases of your credit report or credit rating.

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  • Is his credit rating is better than, say, General Electric or Barclays bank?

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  • There are no refunds payable for one-off purchases of your credit report or credit rating.

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  • Is his credit rating is better than, say, General Electric or Barclays bank?

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  • This is when your credit rating comes into play.

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  • If your credit rating is a bit challenging, you can still buy a vehicle.

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  • Expect to pay a minimum 20% down payment unless you possess an extraordinary credit rating.

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  • If you do not pay on time, one of these companies may report you to a collection agency, which will have adverse effects on your credit rating.

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  • Additionally, if you already have several credit cards, a new card may lower your credit rating in the eyes of lenders.

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  • Of course, prevention is also necessary to protect your credit rating.

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  • For example, someone with a credit rating of 750 may be able to secure a mortgage rate of 6.2 percent, while someone with a rating of 620 may only get 7.6 percent.

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  • For $49.95, you can even purchase a program that will give you tips on how to improve your credit rating and get out of debt.

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  • This information comes in the form of a credit report, and gives the applicant a credit rating or score.

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  • To get approved for a consolidation loan you will need a good credit rating and a verifiable source of income.

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  • But, most negotiation companies do require the creditor report to the major credit reporting agencies that the debt was "paid in full", which helps improve your credit rating as you pay off debt.

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  • Any negative information received by these bureaus will appear on your credit report and significantly lowers your credit rating.

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  • If you have a high credit rating (also known as a good FICO score), then you should not apply for a credit card with a high interest rate.

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  • This credit card is usually only available to people with good credit rating.

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  • Some packages are even designed to offer you financial advice based on the state of your credit rating.

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  • This will lower your overall credit rating and lead to other creditors charging you a higher interest rate or denying you credit because of a low credit score.

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  • Visit www.equifax.com, www.experian.com, and www.transunion.com to obtain your credit reports and learn if late payments have affecting your credit rating.

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  • Many people assume that one sure-fire way to improve their credit rating is to cancel accounts they are not using.

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  • To lower their available credit in the hopes of positively impacting their credit rating and credit report.

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  • Your credit rating depends on showing that you are a reliable consumer over a long period of time, and cancelling credit cards that you have used for years to keep one you just opened a few months ago will negatively impact that rating.

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  • Responsible use of a credit card builds a good credit rating.

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  • Non-profit agencies can help you settle your debts and restore your credit rating.

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  • However, it can negatively affect your credit rating if one of your creditors places a notice on your credit report announcing that you settled all or part of your debt with a debt management service.

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  • Once a counselor educates a person on how to create a budget, they can usually keep out of debt in the future and repair their credit rating as well.

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  • If you were able to seek help before your accounts became seriously past due, you may be able to maintain your credit rating with a consolidation.

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  • However, if you waited until your accounts were four to six months past due, you will have to work on repairing your credit rating.

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  • This may seem impossible, but it can be done in time.A person can repair their credit rating by working with a credit counselor to make on- time payments while they are in a consolidation program.

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  • It may take up to three years of making payments exactly when they are due, but it is worth it to resurrect your credit rating.

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  • If a student isn't able to live up to their end of the deal and pay accounts on time, their credit rating will suffer and they may end up ruining their credit for the next decade.

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  • A bad credit rating can affect a person's ability to land a good job, get a loan for a car or home, or even buy a diamond ring for that special someone.

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  • The interest rate for the ESPN Total Access Visa after the introductory period is variable, and will depend on the applicant's credit rating.

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  • More importantly, it stops your credit rating bleeding and show that you're on the ball.

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  • Getting help will stop the damage to your credit rating each month, but it won't magically land you a FICO score in the 700s again either.

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  • These will fluctuate based on the current prime rate and your credit rating.

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  • The credit limit placed on a new card is dependent upon the applicant's credit rating and income.

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  • If you did not receive this communication, you still must make payments on your account to protect your credit rating.

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  • It's good for people with no established credit and for those that wish to improve their credit rating.

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  • You have a better chance of dealing with a credit card rate increase and getting your rate lowered if you have a long history of paying your bills on time and a good credit rating.

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  • Improving a credit rating takes time and the company should focus on helping the individual change his or her lifestyle to prevent the debt from snowballing again instead of simply on making a quick buck.

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  • If your credit rating is not stellar you may still quality for the card, but the interest rate you are offered will probably be higher than the low rates offered to other applicants with higher credit ratings.

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  • Your credit utilization should be at 30 percent or less of the amount of credit available to you in order to get the best score on this component of your credit rating.

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  • Why is it so hard to obtain a debt consolidation loan with bad credit rating?

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  • Once your credit rating starts to improve, you should be able to get credit extended from more financial institutions.

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  • You can view these requirements at the FTC's website.Keep in mind, if you do stop paying your credit card debt, your credit rating will fall.

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  • A positive payment history improves your credit rating and a negative payment history does the opposite.

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  • The higher the score, the better your credit rating.

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  • The card companies have strict requirements about the circumstances under which a negotiation can happen, and it's usually when you're at a point when your credit rating is already damaged by delinquency.

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  • This can help you to keep accurate records of what is being done and how it is affecting your credit rating after you've applied a fraud alert to your credit portfolio though Experian.

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  • Once you get your secured card, remember that this is a tool to use to build your credit rating back up, not a tool to use to overspend.

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  • Considering the importance of a FICO score for credit cards, all consumers should do what they can to build and maintain a high credit rating.

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  • It is a myth that all of these cards affect your credit rating.

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  • The interest rate varies depending on the card you choose, your credit rating and if you receive a special promotional rate.

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  • This card typically requires a minimum deposit of $49, $99 or $200 based on your credit rating.

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  • Generally, cash back rewards credit cards require that customers have a prime credit rating for approval.

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  • Unpaid child support may be reported to credit bureaus and affect the noncustodial parent's credit rating and ability to qualify for a mortgage or other type of loan.

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  • Anyone can consolidate their student loans, regardless of credit rating.

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  • As a result, people with a poor credit rating may be required to pay a higher interest rate on bad credit home mortgages.

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  • Of course, the best way to improve your odds of getting a low interest rate is to boost credit rating.

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  • You will then enter your monthly take-home pay and an estimate of what your credit rating is.

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  • By raising your credit rating and reapplying, you could qualify for a rate that is one or two percentage points lower.

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  • Furthermore, there are lenders who use an applicant's credit rating in order to not only decide whether or not to approve the application, but also what interest rate to offer.

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  • What should you do if your credit rating is less than perfect and you want to apply for a mortgage loan?

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  • When inquiring about interest rates it is a good idea to ask the representative if the advertised rate is the flat rate everyone receives, or if you might instead wind up being offered a higher rate if your credit rating isn't spectacular.

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  • Companies will offer equity loans to individuals who do not necessarily have the best credit rating or plenty of equity, but the interest rates will not be as appealing.

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  • A lot depends on your lender and your credit rating.

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  • While there are mortgage lenders in almost any town, Freddie Mac lenders can help you secure a reasonable mortgage even if you have a bad credit rating or a moderate to low income.

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  • Those with bad credit may need to look at different options or improve their credit rating before pursuing this type of loan.

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  • Midland Mortgage in Georgia offers a Zero Down program which is available to applicants with a good credit rating.

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  • Some mortgage loan interest rates are based on the credit rating of the applicant.

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  • If your credit rating is steadily decreasing, you can be assured that the interest rates of any mortgage loan available to you will also steadily increase as a direct result.

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  • Some mortgage lenders offer one interest rate to all applicants regardless of credit rating.

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  • If you didn't have a stellar credit rating at that point, a lender may have asked for up to 23 percent for a mortgage.

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  • You can improve your credit rating by working with a company like this.

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  • Yet the average or below-average credit rating will mean a higher interest rate.

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  • For this reason, do not expect that just because the LIBOR interest rate is listed as one particular number that you will receive this exact interest rate even with an excellent credit rating.

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  • Your monthly mortgage payment will also be dependent upon your credit rating.

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  • If your credit rating is not so perfect, you will likely be required to have a higher interest rate.

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  • Your credit rating will influence the investment property finance rate you receive when applying for this type of loan.

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  • Your credit rating will also impact what kind of refinance rate you can expect to get.

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  • With other types of loans, young people without an established positive credit rating could be required to make a significantly higher down payment investment in order to qualify for financing.

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  • It is best to avoid taking out any additional credit cards when planning for a mortgage; this can negatively affect your credit rating and cause you to get a higher interest rate.

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  • Getting out of a mortgage mess can be a tedious process, but the eventual outcome is certainly worth the effort if you can save your home and your credit rating.

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  • Although this can be a good option since you can pay the total off over time, it may not be a good idea if you have a poor credit rating or have difficulty making regular payments.

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  • The key to debt management is accumulating enough manageable debt to build a credit rating while not falling into money traps.

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  • If you borrow money that you can't afford to repay, your credit rating will take a huge hit that can be difficult to recover from.

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  • The Fair Credit Billing Act requires creditors to correct errors promptly without damage to your credit rating and must respond to your inquiry within 30 days of your written request.

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  • If you have a customer with a lower credit rating who suddenly makes a large order, this may be a red flag that he intends to stiff you for the items shipped, paying (maybe), pennies on the dollar once his bankruptcy goes into effect.

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  • Paying off your business creditors is important, if you want to walk away with your credit rating in good standing.

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  • Your credit rating can have a significant impact on your insurance rates.

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  • Check your credit rating for accuracy; obtain a better score if possible.

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  • If you find that the insurance company has used your credit rating as a reason to increase your cost, make sure to contact all three credit bureaus, Equifax, TransUnion, and Experian, and obtain a free copy of your credit report.

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  • Both of these companies have been rated as "Excellent" by A.M. Best, a credit-rating agency serving the financial and healthcare industries.

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  • If your credit rating is contributing to your high premium rates, you can start taking steps to improve it.

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