This may make credit less available and/or terms less favorable, although high debt can have the same effect.
The goal of the ratings is to make credit more easily available in poor communities.
This makes accurate credit scoring difficult for banks if they have no existing relationship with a prospective borrower.
The commission blamed banks for making credit too easily available.
You will not easily make me credit that.
He'd have to pray he could make it to Piñon and fill up there, hoping they'd extend him credit.
That has driven up interest rates and made credit largely unavailable for other uses.
Part of that plan is making credit available to even the poorest Thai villagers.
I guess by letting them put my name up, I can make credit.
That will make credit a bit more expensive but won't have much impact on availability.