The Horizons Tracker

NOVEMBER 26, 2021

One’s credit score is often hugely important, with it very difficult to secure substantial loans, such as mortgages, without a healthy credit rating. This can also mean, however, that it doesn’t take much to send your credit rating spiralling in the wrong direction.

Credit Risk 75

Credit Risk Credit Scoring Tools Credit Rating 75

Marshall Goldsmith

SEPTEMBER 26, 2011

This dysfunctional spinning led to countless disasters for buyers - who lost their homes and ruined their credit ratings. One variation on this theme is the agency problem that recently occurred with sales people who were promoting very shaky mortgages just to collect a commission.

Prahalad 110

Prahalad Credit Rating Short-term Long-term 110

The Horizons Tracker

JANUARY 4, 2023

. “The institutional arrangements under which climate-risk information is currently provided mirrors the incentive problems and conflicts of interest that prevailed in the credit-rating industry prior to the 2007/8 financial crisis,” the researchers explain. ” Understanding climate risk.

Marketing 95

Marketing Credit Rating Diversity Incentives 95

The Horizons Tracker

JULY 30, 2024

As a result of this, the arrival of Uber et al coincided with an increase in car loans being given to low-income people who had poorer credit ratings. This was a trend observed in city after city, with demand for cars increasing among people who can scarcely afford to pay for them.

Credit Rating 64

Credit Rating Finance Price Operations 64

Strategy Driven

JULY 2, 2020

Financing a small business isn’t always easy, but there are plenty of solutions available, no matter how bad your credit rating is. Plenty of credit card companies have 0% introductory offers for new customers but bear in mind your personal credit rating will dictate which offers are available to you.

Finance 65

Finance Credit Rating Banking Short-term 65

Strategy Driven

APRIL 23, 2021

Your credit rating can also impact your ability to get a loan for a private company. As such, you might need to improve your credit before you take this action and move forward with this possibility. If you are going to get a loan for a company, then you’ll need to ensure that your books are in order.

Credit Rating 85

Credit Rating Business Model Audience Planning 85

Strategy Driven

FEBRUARY 18, 2021

Do not allow your need for a renter to prevent you from checking an applicant’s income, references, criminal history, previous eviction history and credit rating. Quality residents are easier to find if you have a detailed screening procedure.

Long-term 74

Long-term Credit Rating Reference Quality 74

Strategy Driven

DECEMBER 7, 2019

So keep up to date with customers, suppliers and any business registration companies and any credit rating agencies. Not already sharing information with any credit rating agencies? You might be surprised to learn that changes in location or business status can affect your reliability if your information is inconsistent.

Credit Scoring 65

Credit Scoring Credit Rating Information Workshop 65

Strategy Driven

APRIL 3, 2023

Also like other types of loans, a business owner’s credit rating can be a deciding factor in whether a loan is approved or not, and it impacts the interest rate of any loan as well. Much like any other loans, they come with interest to pay, and there is also variable loan vs fixed to consider.

Finance 90

Finance Outsourcing Management Credit Rating 90

Strategy Driven

JANUARY 14, 2021

Having a failed business and declaring bankruptcy in the past presents two major problems; the first is that you have a terrible credit rating, which means that banks and private investors are naturally cautious about lending to you and many people will reject you immediately when they run a credit check on you.

Finance 65

Finance Credit Rating How To Banking 65

Strategy Driven

JANUARY 18, 2023

Invest in bonds of various types, credit ratings , and maturities. If your investment horizon is short-term, be more conservative in your investment choices. Some ways to diversify your portfolio: Invest in stocks of different sectors, markets, and companies. Invest in cash, gold, or other alternative assets.

Real Estate 106

Real Estate Budgeting Bond Finance 106

The Horizons Tracker

AUGUST 19, 2024

.” Mitigating bias In a bid to mitigate bias, the study concentrated on various factors including consumer credit scores, loan-to-value ratios, vehicle types, and vehicle prices. Notably, it centered its analysis on an average customer, rather than individuals at the extreme ends of credit ratings.

Credit Scoring 64

Credit Scoring Finance Price Credit Rating 64

Strategy Driven

FEBRUARY 20, 2018

When you’re trying to be careful with your funds, and save wherever you can; you might think that getting yourself a credit card might be a bad idea. However, it’s worth getting one so that you’ll have a credit rating or score for you and your business.

Finance 50

Finance Credit Rating Credit Scoring Advice 50

Strategy Driven

JANUARY 13, 2020

It can work out very well, and with enough research, you will be able to find a variety of different loans with varying interest rates and special deals. You may not be eligible for all of them, however, and applying for too many loans all at once can damage your credit rating. A Personal Loan.

Finance 65

Finance Credit Rating Banking Long-term 65

Strategy Driven

NOVEMBER 5, 2018

It can work out very well, and with enough research, you will be able to find a variety of different loans with varying interest rates and special deals. You may not be eligible for all of them, however, and applying for too many loans all at once can damage your credit rating. A Personal Loan.

Finance 63

Finance Credit Rating Banking Long-term 63

Strategy Driven

SEPTEMBER 18, 2019

National Funding: National Funding is suitable for those customers who have a poor credit rating. This is because you can borrow up to $250,000 with no credit score requirement. Although you can borrow a large amount, the interest rates are high compared to other available loans.

Working Capital 11

Working Capital Credit Scoring Long-term Short-term 11

The Horizons Tracker

NOVEMBER 19, 2020

Walk away and default on the mortgage, with all of the credit rating implications. Retain the home and try and rent it out, which would impact any deposit they could put down on a home in their new region. “Our study highlights an important cost of home ownership,” the researchers explain.

Price 80

Price Crisis Credit Rating Sample 80

Chartered Management Institute

DECEMBER 5, 2023

Workers on zero-hours contracts will almost certainly struggle to get a mortgage and solid credit rating. Here are five things you may not know about insecure work: 6.2 Family life will inevitably suffer. “It It can cripple you,” says Jaroslav. There’s no prospect of a future.”

Leadership 98

Leadership Advice Long-term Credit Rating 98

Strategy Driven

AUGUST 15, 2019

The nature of your accommodation is determined by your income, while your ability to get loans and credit opportunities is hampered by a poor credit rating. There are many things in life that rely heavily on your personal finances.

Finance 11

Finance How To Banking Credit Rating 11

Strategy Driven

JANUARY 22, 2020

The reason this is important is that some lenders who offer high acceptance rates may focus more on what you can afford than your credit rating. Although your credit score will play an integral part in the approval process, you need to be able to prove what you can afford.

Credit Scoring 65

Credit Scoring Comparison Short-term Finance 65

Strategy Driven

SEPTEMBER 24, 2019

Most agencies have very high credit ratings, and companies can even get advanced payments from financial institutions on the future payments of government contracts (if necessary). Some of the best business advice you will receive is that your company MUST designate some resources toward selling to the government.

Marketing Strategy 10

Marketing Strategy GDP Credit Rating Marketing 10

Strategy Driven

NOVEMBER 19, 2019

If you aren’t getting good loan rates, take a look at your credit file to see if there’s something holding you back. When it comes to financing a vehicle, you have plenty of options, many of which will depend on your income, credit rating, and whether you’re buying used or new.

Finance 50

Finance Credit Rating How To Banking 50

Strategy Driven

FEBRUARY 9, 2020

Many companies that want to create a good credit rating so that they can prepare their business for a much bigger loan in the future also use this type of loan. Many business owners might get a unique opportunity for which they might need extra funding. Selection For Lenders.

Credit Scoring 74

Credit Scoring Finance Short-term Banking 74

Strategy Driven

JULY 9, 2020

This year has certainly not been one that has gone to plan for so many. You may have had good intentions and goals, especially when it came to your finances, but found yourself in a situation where you have struggled with less pay or no work at all. You are not alone.

Finance 71

Finance Banking Goal Planning 71

Strategy Driven

SEPTEMBER 23, 2019

We all know that many entrepreneurs have bad credit score. Moreover, some go through personal difficulties which affect their personal credit score at the same time. Some businesses only start because the owners are unemployed, laid off, or worse, bankrupt.

Credit Scoring 10

Credit Scoring Banking Tips Proposal 10

Harvard Business Review

AUGUST 11, 2011

The Securities and Exchange Commission began using the ratings issued by what they called Nationally Recognized Statistical Rating Organizations (and yes, they actually do use the acronym NRSRO) to judge whether securities firms' balance sheets were solid enough.

Credit Rating 15

Credit Rating Bond Price Advice 15

Harvard Business Review

MAY 31, 2011

Creating true objectivity — whether in managerial or organizational decisions — requires eliminating the conflicts of interest that bias judgments.

Ethics 15

Ethics Conflict of Interest Credit Rating Incentives 15

Harvard Business Review

MAY 30, 2012

Workplace inspections not only improve safety, they cause no discernible damage to employers' ability to stay in business and no reductions in sales or credit ratings, according to our research. We now have the data to prove it. Nor did we identify any effects of workplace inspections on wages, total payroll, or employment.

Credit Rating 15

Credit Rating Insurance Cost Analysis 15

Harvard Business Review

NOVEMBER 15, 2013

Although credit-card holders with low credit ratings default more often than the rest of the population, the interest and fees they pay make them far more profitable for banks than any other groups of credit-card customers, according to research reported in The New York Times.

Credit Rating 8

Credit Rating Guidelines Banking Crisis 8

Harvard Business Review

AUGUST 8, 2011

Recent headlines have focused on the debt ceiling , the recent credit rating downgrade , unemployment , and the other thorny fiscal challenges facing the United States.

Politics 18

Politics Innovation Incentives Credit Rating 18

Harvard Business Review

AUGUST 10, 2011

From falsified mortgage applications and bundles of toxic mortgages, to incorrect credit ratings and balance sheets that couldn't be trusted, the financial crisis is as much about bad data as it is about unfettered greed. Unfortunately, reputational risk is only the tip of the iceberg when it comes to bad data quality.

Health Care 15

Health Care Credit Rating Quality Reputation 15

Harvard Business Review

JUNE 1, 2011

But remove the currency markets and you take away the constant credit rating service the currency markets provided. To replace all that the banks ought to have undertaken keener credit analyses, probably resulting in higher margins on loans to the peripheral countries.

Banking 15

Banking Crisis Credit Rating Long-term 15

Harvard Business Review

SEPTEMBER 21, 2012

The idea is that direct driving behavior over time will be more predictive than traditional proxies such as age, credit rating, or geography. This telematics data is then entered into actuarial models to predict driving risk (and thus insurance premiums).

Insurance 15

Insurance Team Credit Scoring Retail 15

Harvard Business Review

JANUARY 17, 2012

From Bernie Madoff to derivatives to the housing bubble to dubious AAA credit ratings, we continue to find new ways to encourage people to make financial leaps of faith. In the end this money did become worthless.".

System 15

System Crisis Credit Rating Banking 15

Harvard Business Review

JULY 11, 2013

It appears that Enron''s final fatal mistake was to try to support its stock price instead of living up to key contractual obligations required to maintain its credit rating. What caused Enron''s bankruptcy was, quite simply, the loss of its investment-grade credit rating. What caused Enron to go bankrupt?

Price 8

Price Credit Rating Finance Chief Financial Officer 8

Harvard Business Review

NOVEMBER 12, 2013

If the government were a business, how would its credit rating look? Many factors come into play to determine credit and credibility scores. Late payments and defaults hurt a business credit rating most, but the US government has always paid its debt on time and has never defaulted, despite congressional posturing.

Credit Rating 8

Credit Rating GDP Budgeting Short-term 8

Harvard Business Review

JULY 6, 2011

The dismal truth is that pretty much all of yesterday's institutions — from banks, to "the corporation," to credit ratings, to schools — are just as broken as our political institutions are. It's marketing over substance, hype over reality, spin over reform — as usual.

Marketing 17

Marketing Loyalty Decentralization Politics 17