A-Credit

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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-".

An economic theory of a credit union
www.jstor.org [PDF]
THE majority of research to date on CUs has been empirical (cf. Cargill [1] and Kidwell and Peterson [7]), yet there is serious need to develop a theoretical framework of CU behavior that incorporates their unique characteristics. A CU is essentially a financial intermediation …

Are we experiencing a credit crunch?
ideas.repec.org [PDF]
THE majority of research to date on CUs has been empirical (cf. Cargill [1] and Kidwell and Peterson [7]), yet there is serious need to develop a theoretical framework of CU behavior that incorporates their unique characteristics. A CU is essentially a financial intermediation …

A credit scoring approach for the commercial banking sector
www.sciencedirect.com [PDF]
THE majority of research to date on CUs has been empirical (cf. Cargill [1] and Kidwell and Peterson [7]), yet there is serious need to develop a theoretical framework of CU behavior that incorporates their unique characteristics. A CU is essentially a financial intermediation …

On the design of a credit agreement with peer monitoring
www.sciencedirect.com [PDF]
THE majority of research to date on CUs has been empirical (cf. Cargill [1] and Kidwell and Peterson [7]), yet there is serious need to develop a theoretical framework of CU behavior that incorporates their unique characteristics. A CU is essentially a financial intermediation …

Are credit ratings valuable information?
www.tandfonline.com [PDF]
THE majority of research to date on CUs has been empirical (cf. Cargill [1] and Kidwell and Peterson [7]), yet there is serious need to develop a theoretical framework of CU behavior that incorporates their unique characteristics. A CU is essentially a financial intermediation …

Evaluating a credit guarantee agency in a developing economy: a non‐parametric approach
www.emerald.com [PDF]
THE majority of research to date on CUs has been empirical (cf. Cargill [1] and Kidwell and Peterson [7]), yet there is serious need to develop a theoretical framework of CU behavior that incorporates their unique characteristics. A CU is essentially a financial intermediation …

How will a credit crunch affect small business finance?
ideas.repec.org [PDF]
THE majority of research to date on CUs has been empirical (cf. Cargill [1] and Kidwell and Peterson [7]), yet there is serious need to develop a theoretical framework of CU behavior that incorporates their unique characteristics. A CU is essentially a financial intermediation …

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Q&A About A-Credit

When was the term "credit" first used in English?

The term "credit" was first used in English around 1590s .

What is A-Credit?

The highest credit grade available as assigned to a borrower by a lender.

What does "credit" mean in Latin?

The word "credit" comes from Latin credere , which means "to believe".

Who provides credit?

A creditor provides credit, also known as a lender.

Where did the term come from originally ?

The word came from Middle French crédit , which meant 'belief', 'trust'.

Who uses credit grading systems?

Lenders use credit grading systems.

What are some examples of things that can be provided through credit?

Money and goods/services are two examples of things that can be provided through credit.

How does credit work?

Credit works by allowing one party to provide money or other resources to another party who promises either to repay or return those same resources (or other materials of equal value) at a later date.

What is credit?

Credit is the ability to borrow money or receive goods and services now, in exchange for promising to repay or return those resources at a later date.

Is there any difference between debt and credits ?

Yes, there is a big difference between debt and credits .

Who receives credit?

A debtor receives credit, also known as a borrower.

Why do lenders use credit grading systems?

Lenders use these grading systems to qualify borrowers based on their ability to pay back loans and interest rates offered accordingly.

What does the term "credit" mean in this context?

Credit refers to the ability of an individual or company to borrow money from a financial institution.

How are grades assigned for each borrower?

Grades are assigned based on many factors including FICO score, debt-to-income ratio, loan-to-value ratio and past delinquencies.

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