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A-Credit

By
rjonesx
-

What is ‘A-Credit’

The highest credit grade available as assigned to a borrower by a lender. Lenders use a credit grading system to qualify borrowers. The higher the borrower’s credit grade, the lower the interest rate offered to that borrower on a loan.

Explaining ‘A-Credit’

Credit grading by lenders is based on many factors, including a borrower’s FICO score, debt-to-income ratio, loan-to-value ratio and past delinquencies. This grade of credit may be associated with a plus or minus for more depth. In this case, a grade of “A+” would indicate higher credit worthiness than a score of “A-“.

Further Reading

  • An economic theory of a credit union – www.jstor.org [PDF]
  • Are we experiencing a credit crunch? – ideas.repec.org [PDF]
  • A credit scoring approach for the commercial banking sector – www.sciencedirect.com [PDF]
  • On the design of a credit agreement with peer monitoring – www.sciencedirect.com [PDF]
  • Are credit ratings valuable information? – www.tandfonline.com [PDF]
  • Evaluating a credit guarantee agency in a developing economy: a non‐parametric approach – www.emerald.com [PDF]
  • How will a credit crunch affect small business finance? – ideas.repec.org [PDF]
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rjonesx

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