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20.04.2017 18:10 - YOUR PERSONAL AND BUSINESS CREDIT SCORES
Автор: davidhill Категория: Бизнес   
Прочетен: 70 Коментари: 0 Гласове:
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 Large businesses rely on the credit ratings of their companies. Small businesses usually have to rely — in whole or in part — on the credit scores of their owners. Consequently, having a good personal credit rating is essential for commanding access to loans for business at favorable rates. But business credit scores shouldn’t be ignored.When seeking an SBA loan for your business, all owners with an interest of 20% or more must give their personal guarantee for the loan. They must also disclose the owners’ personal financial history; the personal credit rating of the owners comes into play. The same is true with many other types of small business financing, where both the owners’ and business’s credit history is factored in. This can influence whether a loan is granted and what interest rate will be charged.The benchmark for personal credit traditionally has been the  a proprietary rating from Fair Isaac Corp. (hence the name FICO). It continues to be used by 90% of major lenders in the U.S. The score is based on payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and the credit mix (10%). The highest score for most purposes is 850.

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Автор: davidhill
Категория: Бизнес
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