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Credit rating

December 2024

Wingate Group founder Farrell Meltzer.

Singapore’s CapitaLand nails $200m Wingate deal

CapitaLand confirmed its intended acquisition of Wingate for $200 million as the Asian real estate manager expands into private credit.

  • Primrose Riordan

November 2024

Mineral Resources founder and managing director Chris Ellison.

Moody’s downgrades MinRes as big investors demand board overhaul

The credit ratings agency has cut the lithium and iron ore miner to negative, citing the “negative implications” of its governance issues.

  • Mark Wembridge

October 2024

If the goal is also financial education, a low-limit credit card may be best.

My son is off to uni. Should I give him a credit card for emergencies?

Set clear guidelines around what constitutes an emergency. Does a late-night taxi ride home from the pub qualify?

  • Penny Wise
Australia’s three credit bureaus have become two.

Credit score agencies combine, creating Australia’s newest duopoly

Experian has completed its $820 million acquisition of Illion, which Experian’s CEO says will help banks assess credit risk more dynamically.

  • James Eyers

August 2024

The absence of a credit score is not an automatic dealbreaker.

Can I get a mortgage without a credit score?

Credit scores are a shortcut used by credit providers to assess your history in repaying debt. But what happens if you don’t have one?

  • Penny Wise
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June 2024

Afterpay is concerned about having to do income and spending checks, like credit cards have to.

Afterpay says Treasury has overreached on BNPL regulation

Consumer groups, banks and even the corporate regulator say they also have concerns about Labor’s proposed laws to regulate buy now, pay later as credit.

  • James Eyers

May 2024

Four listed fintechs allege major banks are conspiring against them by restricting access to crucial credit file data.

Four listed fintechs say they’ll be smashed by credit report rules

Plenti, MoneyMe, Harmoney and Wisr allege major banks are conspiring against them by restricting access to crucial credit file data they use to price loans.

  • James Eyers

April 2024

ACCC chairwoman Gina Cass-Gottlieb.

ACCC reviewing credit data deal as Experian pounces on illion

A $820m deal that would see consumer credit data controlled by a duopoly of foreign companies is being examined by the competition regulator.

  • James Eyers

January 2024

FICO gets a royalty for the use of its credit score for just about every mortgage, credit card or auto loan origination in America.

The lone Aussie riding US credit monopoly sensation FICO

US credit growth has hit the brakes as higher interest rates bite, but the American credit rating agency’s share price has jumped 87 per cent this year.

  • Matthew Cranston

December 2023

Australians are facing an economic environment of rapidly rising interest rates.

Government spending splurge is blunting RBA rate rises: S&P

Federal and state governments are spending $50 billion a year more than pre-pandemic, making the inflation fight harder, a leading credit rating agency says.

  • John Kehoe
China faces increasingly serious budget constraints, triggered mainly by a steep slide in the real estate sector.

Moody’s cuts China credit outlook on rising debt

The ratings agency cut its view of the country’s finances to negative, saying it was concerned about the potential cost of local government bailouts.

  • Updated
  • Keith Bradsher

November 2023

Banks are spying on customers’ spending on petrol to work out if they are at risk of defaulting on their mortgage.

Why banks spy on your petrol bills

Lenders look at whether you stop short of filling up the tank or start shopping at Aldi to work out whether the home loan is becoming a struggle.

  • James Eyers

September 2023

NSW Treasurer Daniel Mookhey

Mookhey clears runway for AAA credit rating loss from NSW budget

Treasurer Daniel Mookhey has signalled the NSW government is prepared to lose its top-tier credit rating, arguing its impact on the cost of debt is falling.

  • Samantha Hutchinson

August 2023

Fitch expressed optimism that WeWork will continue to exist.

WeWork credit rating cut further into junk territory by Fitch

Fitch Ratings said it downgraded WeWork’s long-term default ratings and first-lien bonds to reflect continuing pressures on the business.

  • Timothy Moore
The USA’s credit rating has been downgraded for only the second time in history.

‘Arbitrary’: Yellen slams historic US credit rating cut

The cut, only the second in history, illustrates how growing political polarisation and stand-offs over spending and taxes could end up costing the US.

  • Updated
  • Benjamin Pervis
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July 2023

Sydney, Melbourne outer suburbs have double the rate of loan arrears

The data from S&P Global Ratings will be used by banks as they determine lending policies such as requiring higher deposits amid rising interest rates.

  • Updated
  • James Eyers

May 2023

Credit card usage has surged by 21 per cent in the first quarter, Equifax says.

Living costs push more consumers towards credit cards, personal loans

An increasing number of households are turning to unsecured lending to fight inflation pressures as the demand for home and car loans declines.

  • Ayesha de Kretser

March 2023

Elon Musk’s Tesla is finally won investment-grade ratings.

Tesla finally escapes junk rating with Moody’s upgrade

Moody’s Investors Service has become the second credit ratings firm to endow Tesla with investment-grade status.

  • Caleb Mutua and Dana Hull
A Credit Suisse Group AG logo reflected in the window of a UBS Group AG bank.

S&P sees ‘material execution risk’ in UBS takeover of Credit Suisse

S&P Global Ratings said it revised its outlook on UBS Group to negative from stable, reflecting pressure on the group’s stand-alone creditworthiness.

  • Timothy Moore
Wall Street in New York. Investors now demand annual interest payments of about 9 per cent a year from US businesses with low scores from rating agencies.

Fear of ratings downgrades puts companies off debt-driven deals

Higher borrowing costs have increased the cost of losing prized investment-grade status.

  • Harriet Clarfelt

Original URL: https://www.afr.com/topic/credit-rating-hp8