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How to Improve Your Credit Score Fast

July 21, 2022 by www.investopedia.com

Your credit score is one of the most important measures of your financial health. It tells lenders at a glance how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or new lines of credit. A higher credit score can also open the door to the lowest available interest rates when you borrow. If you would like to boost your credit score, there are a number of quick, simple things that you can do. While it might take a few months to see an improvement in your credit score, you can start working toward a better score in just a few hours. Key Takeaways It takes less than a couple of days to pull all your credit reports from the three major credit bureaus, and assessing your credit score is the first step to raising it. In just a few hours, you can set due-date alerts for bills, so you know when a bill is coming up. Paying your bills on time Is one of the most important steps in improving your credit score. Pay down … [Read more...] about How to Improve Your Credit Score Fast

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Ayala Land delays P10B in land acquisition deals

August 8, 2022 by business.inquirer.net

Augusto Cesar Bengzon—Ayalalandlogistics.com Industry giant Ayala Land Inc. is delaying P10 billion in property acquisition deals until 2023, cutting its annual capital spending program amid uncertain market conditions. From an estimated P90 billion, the builder is now targeting to spend about P80 billion in 2022, according to Augusto Cesar Bengzon, chief finance officer of Ayala Land. “There are certain conditions, precedents that have to be fulfilled by the land owners and, of course, we’re negotiating harder,” Bengzon told reporters during a media briefing on Friday. “We don’t need to rush it and we think, probably next year, we will be able to come to terms,” he added. Ayala Land originally planned to spend P13.5 billion on land acquisitions, representing 15 percent of the full year budget. It deployed about P4.5 billion to buy property in the first half of 2022 out of the P30.2 billion that was spent. Ayala Land might find trouble negotiating for bargain deals as real … [Read more...] about Ayala Land delays P10B in land acquisition deals

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Why Regulation Will Help The Buy Now, Pay Later Giants

July 12, 2022 by www.forbes.com

Share to Twitter Share to Linkedin After a meteoric rise during the pandemic, the buy now, pay later (BNPL) business is facing a future clouded by deteriorating economic conditions, competition from the likes of Apple and bank credit card issuers and a looming regulatory crackdown. At least, that’s the conventional wisdom. Since the federal Consumer Financial Protection Bureau (CFPB) opened an inquiry into the industry last year, regulation has generally been framed as a “ backlash ” and threat to the industry’s growth. A research note issued Sunday by Goldman Sachs analyst Michael Ng, which initiates coverage of Affirm Holdings with a neutral rating, observes that “the evolving US BNPL regulatory landscape results in the risk of potential regulation that could reduce the pace of consumer and merchant adoption.” Yet a deeper look suggests regulation could actually benefit the leaders in the American BNPL sector. While BNPL has been around in the US … [Read more...] about Why Regulation Will Help The Buy Now, Pay Later Giants

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