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Topic: Credit rating

	Credit rating - Wikipedia, the free encyclopedia
		The credit rating of a corporation is a financial indicator to potential investors of debt securities such as bonds.
		A sovereign credit rating is the credit rating of a sovereign entity, i.e.
		Credit ratings for corporations and sovereign debt are assigned by credit rating agencies.
	en.wikipedia.org /wiki/Credit_rating (423 words)

	Howstuffworks "How Credit Reports Work"
		If you've ever applied for a credit card, a loan to buy a house or car, or a line of credit to make some other large purchase, then you've probably had your credit report reviewed by the lender.
		A credit report is an accumulation of information about how you pay your bills and repay loans, how much credit you have available, what your monthly debts are, and other types of information that can help a potential lender decide whether you are a good credit risk or a bad credit risk.
		Credit scores are based on formulas that use the information in your report, but they are not a part of your report.
	money.howstuffworks.com /credit-report.htm (1145 words)

	Credit-Rating - Ukrainian credit rating agency, Kiev / Company profile
		It is the only rating agency in Ukraine specializing in issuer solvency assessment and in assignment of credit ratings according to the Ukrainian national scale.
		Credit rating is a universal instrument of credit risk assessment.
		The main advantage of international ratings, namely the comparability of credit risk to all obligors in the international market, may be considered as disadvantage in the countries with transition economy.
	www.credit-rating.com.ua /en (676 words)

	Statement of Fitch Ratings on Credit Rating Agencies
		Rating agencies gather and analyze a variety of financial, industry, market and economic information, synthesize that information and publish independent, credible assessments of the creditworthiness of securities and issuers thereby providing a convenient way for investors to judge the credit quality of various alternative investment options.
		Ratings are used by a diverse mix of both short-term and long-term investors as a common benchmark to grade the credit risk of various securities.
		Credit ratings have proven to be a reliable indicator for assessing the likelihood that a security will default.
	www.sec.gov /news/extra/credrate/fitchratings1.htm (3227 words)

	What Is A Corporate Credit Rating?
		The Ratings Are In The ratings lie on a spectrum ranging between highest credit quality on one end and default or "junk" on the other.
		Long–term credit ratings are denoted with a letter: a triple A (AAA) is the highest credit quality, and C or D (depending on the agency issuing the rating) is the lowest or junk quality.
		These ratings are considered to be investment grade, which means that the security or the entity being rated carries a level of quality that many institutions require when considering overseas investments.
	www.investopedia.com /articles/03/102203.asp (985 words)

	Federal Reserve Bank of Philadelphia - Consumer Information - YOUR CREDIT RATING (Site not responding. Last check: 2007-09-10)
		Your credit rating is drawn from your credit report, which is a profile of your borrowing, charging, and repayment activities.
		Since your credit report influences whether you are able to buy a home and get a job, it is extremely important to protect your credit rating by making loan and bill payments on time and by not taking on more debt than you can handle.
		Should you be denied credit because of information in your report, the lender is required to give you the name, address, and telephone number of the bureau that produced the report.
	www.phil.frb.org /consumers/creditrating.html (1117 words)

	Info on Credit Report, Credit Score and Credit Report Rating \| Identity Guard (Site not responding. Last check: 2007-09-10)
		Credit Report provides you with a snapshot of your credit reporting history as it is reflected in your Equifax credit file.
		With a higher credit score, not only are loans easier to obtain, but people with a higher credit score generally receive lower interest rates — and that saves you a considerable amount of money over time.
		Credit Analyzer is a real-time credit-analysis tool that allows you to create "What If?" scenarios to see how changing one or more credit variables may affect your creditworthiness.
	www.identityguard.com /gs/english/LM_CreditReport.asp (402 words)

	Best's Rating Center - Guide to Best's Issuer Credit Ratings
		Ratings from "aa" to "ccc" may be enhanced with a "+" (plus) or "-" (minus) to indicate whether credit quality is near the top or bottom of a category.
		A Best's Short-Term Issuer Credit Rating is an opinion as to the ability of the rated entity to meet its senior financial committments on obligations maturing in generally less than one year.
		Best's Issuer Credit Ratings (aaa to c) are assigned a Rating Outlook that indicates the potential direction of a company's rating for an intermediate period, generally defined as the next 12 to 36 months.
	www.ambest.com /ratings/icrguide.asp (473 words)

	Bad Credit Rating Repair Services (Site not responding. Last check: 2007-09-10)
		United Credit Help and/or the companies we hire or work with may use this information to comply with your request for information or as otherwise disclosed to you at the location at which you submit your information.
		If United Credit Help is requested by law enforcement officials or judicial authorities to provide personal information on individual users, our parent company may, without your consent, provide such information.
		United Credit Help recognizes you may be concerned about the security of your personal information, and we are committed to employing reasonable technology in order to protect the security of our website.
	badcreditratingrepairservices.com /ScreenPrintInfoPage.cfm?menuitemid=108&menusubid=0 (1158 words)

	Repair Your Credit Rating
		Ventura suggests that you write to the credit bureau detailing the errors in your report and that you send your correspondence by certified mail with a return receipt requested as you work to clean up your credit report.
		Gasoline cards are usually not reported to credit bureaus until you're 90 days late, and the others don't generally show up on credit reports unless the bills are sent to a collection agency.
		Your credit report may be damaged as much by the information that is omitted as by the negative information that is found there.
	www.aaacredit.net /restore_credit_rating.html (947 words)

	Credit Rating
		Credit ratings are used to evaluate your creditworthiness.
		Borrowers with bad credit ratings need to beware of predatory lenders who charge exorbitant rates and fees.
		Along with your claims history, some insurers see a poor credit rating as a sign that you are more likely to claim damages.
	www.lendingtree.com /cec/yourmoney/yourcredit/how-can-my-credit-rating-affect-me.asp?esourceid=33988&source=33988 (566 words)

	Credit Rating (Site not responding. Last check: 2007-09-10)
		The effect of a bankruptcy on your credit rating must be judged in comparison to your present rating.
		These loans may carry higher rates and larger down payment requirements but you will always deal with your local banker who might be willing to take a more lenient approach to your credit history.
		Expect these rates to be higher and down payments needed up to 25% to 50%, but even those with bankruptcies and the nastiest credit will be eligible.
	pages.zdnet.com /allenturnage/law/id7.html (1094 words)

	The Importance of Your Credit Rating
		A credit score is a statistical method to determine the likelihood of an individual paying back the money he or she has borrowed.
		The primary factors used to calculate an individual's credit score are their credit payment history, current debts, time length of credit history, credit type mix, and frequency of applications for new credit.
		Credit reporting makes it possible for stores to accept checks, for banks to issue credit or debit cards, and for corporations to manage their operations.
	www.investopedia.com /articles/00/091800.asp (1529 words)

	SEC examines credit agency operations - Nov. 15, 2002
		Participants in a hearing Friday voiced concerns that there are too few agencies competing, that they lack transparency in how they determine their ratings, and that the agencies have conflicts of interest with the companies they rate.
		Credit rating agencies are empowered under law to gather information from corporations that is not available to the public, but the agencies are not allowed to use the data for any purpose other than determining their ratings.
		Credit rating agencies have been criticized for not downgrading their ratings on troubled companies like Enron and WorldCom sooner than they did.
	money.cnn.com /2002/11/15/news/credit_ratings/index.htm (571 words)

	Cleaning Up and Repairing Your Credit Rating
		As you start to clean and repair your credit rating, be aware that some companies may try to take advantage of you.
		As long as your inquiries for an automobile or mortgage deal are all within a 30-day period, many credit scoring programs and creditors will disregard the multiple inquiries or consider them as a single inquiry.
		For other credit and credit card related articles, please visit our library of articles.
	www.creditcards.com /cleaning-up-and-repairing-your-credit.php (706 words)

	Credit Repair - OVATION LAW - Credit Report Repair
		Credit scores affect every aspect of our financial lives including qualification for loans and mortgages, the interest rates we pay, employment opportunities, and even insurance premiums.
		To effectively dispute incorrect information on your credit report, the key is knowing the 'valid disputes' and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response.
		Unlike credit repair companies, your privacy and confidentiality (especially with regard to your social security number, credit card number and credit report information) are protected by the attorney-client privilege.
	www.ovationlaw.com (898 words)

	Credit Rating (Site not responding. Last check: 2007-09-10)
		A credit rating is an assessment of a company's credit-worthiness.
		In 1996 SCA was upgraded from SandP to A- from BBB+ and in 2005 was downgraded from Moody's to Baa1 from A3.
		At the same time, all ratings on SCA and related entities were affirmed, including the 'A-/A-2' corporate credit rating on SCA.
	www.sca.com /investors/credit_rating.asp (164 words)

	Hillsborough County Government Online - Debt Management - Credit Rating
		As stated in Moody's credit report for Hillsborough County, an improved credit rating reflects continued health, diversity and growth in the County's economy, strong tax base expansion, strong financial administration and a manageable debt position.
		The County's high credit rating are a noteable achievement since they generally lead to lower interest costs on debt issuances.
		The County's debt obligations are issued and administered in such a manner as to ensure and sustain long-term financial integrity of the County, and to achieve the highest possible credit ratings.
	www.hillsboroughcounty.org /debtmanagement/creditrating (350 words)

	Credit Overview
		If you have had credit problems, be prepared to discuss them honestly with a mortgage professional.
		Credit scoring, also known as FICO scoring, is a statistical method of assessing the credit risk of a loan applicant.
		A credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you.
	www.mortgage101.com /partner-scripts/credit.asp?p=mtg101 (289 words)

	Rapid Ratings Online International Corporate Credit Rating
		Rapid Ratings is a global rating agency offering ratings and reports on credit risk and equity risk for listed or unlisted companies (where audited financials are available) in all major markets.
		Rapid Ratings' proprietary corporate risk credit rating of each company, which is based on an assessment of the financial fundamentals of the company derived from a scientific assessment of the income statement, balance sheet and cash flow position of the company, with
		In the past year credit ratings have been a hot topic for global regulators, who are watching the debate closely - primarily for signs of what not to do.
	www.rapidratings.com (1330 words)

	Credit Rating
		Your credit rating is a measure of your credit-worthiness or in other words, your record of borrowing and repayment.
		Governed by provincial laws, the credit bureau - the clearing-house of information on consumers' use of credit - provides a credit history, which is a list of facts about how you handle debt.
		You may want to check your file if you aren't sure of your credit rating, if you are refused credit or if you plan to apply for a large amount of credit such as a mortgage.
	calumross.com /mortgages-canada/mortgages-101/credit-rating (910 words)

	CBC News Indepth: Personal Finance
		The numbers go from 0 (too new to rate) to 9 (bad debt or placed for collection or bankruptcy.) For a revolving account, an R1 rating is the notation to have.
		A credit score (also called a FICO score) is not part of a regular credit report.
		For example, we've heard of instances where negative credit files from one person got posted to the file of someone who had a similar name (the "close enough" school of credit reporting).
	www.cbc.ca /news/background/personalfinance/checkcreditrating.html (1256 words)

	Check your Credit Report Online at Creditreport.com!
		Register now and immediately obtain up–to–date information on credit cards and loans opened in your name and who has accessed your credit file.
		This Credit Monitoring service will monitor your credit report continuously and alert you to potential fraud on the credit report.
		By ordering a free credit report, you will automatically be enrolled in a 30 day free trial of credit monitoring.
	www.creditreport.com (368 words)

	SignOnSanDiego.com > News > State -- California's credit rating improves
		SACRAMENTO – A Wall Street bond house raised California's credit ratings Wednesday, breaking the state's long-standing tie with hurricane-ravaged Louisiana for the worst credit marks in the nation.
		Standard and Poor's raised its rating on the state's general obligation bonds from “A” to “A+,”; and it's rating on lease-supported debt from “A-” to “A.”; Standard and Poor's top bond rating is AAA.
		State Treasurer and Democratic gubernatorial candidate Phil Angelides, however, said the state's new credit rating was still relatively low and it showed Schwarzenegger still hadn't done enough to get the state's fiscal house in order.
	www.signonsandiego.com /news/state/20060517-1856-ca-creditrating.html (488 words)

	frontline: secret history of the credit card: more to explore: where you can go... \| PBS
		Credit card debt is at an all-time peak, with the average American household carrying a balance of roughly $7,500 - $8,000.
		Your credit rating, or FICO score, is a crucial piece of information that may determine, among other things, the interest rate your credit card company charges you.
		Helpful tools include a checklist for ensuring that a credit counseling agency is trustworthy and a list of groups qualified to receive free credit reports.
	www.pbs.org /wgbh/pages/frontline/shows/credit/more/where.html (1588 words)

	Poor Credit Rating Repair Services California Nevada - Credit Fix Now (Site not responding. Last check: 2007-09-10)
		There are many different approaches that can be taken to turn a poor credit rating into a good one.
		You have the right to challenge negative information that has a negative affect upon your credit rating and any information that is over seven (7) years old.
		You have the right to compel the credit bureaus to delete negative information if the creditor did not deliver the goods in a manner initially agreed upon or if there were errors in the date and time of the bill.
	www.creditfixnow.com /president.htm (841 words)

	FreeCreditReport.com \| Free Credit Report and Credit Score Online by Experian
		The applicant´s credit score will probably be used for figuring out whether he or she qualifies for credit, and if so, what terms and interest rates he or she will receive.
		Credit scores are calculated based on data in your credit reports and, as fluid numbers, change over time, sometimes on a daily basis!
		Other than pulling your credit report on a daily basis, credit monitoring is the best way to know what´s happening in your credit report.
	www.freecreditreports.com (621 words)

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