Retirement assets such as individual retirement accounts cannot be used to secure loans , but even they may indirectly count in a borrower's favor as evidence of astuteness .
The state could charge heftily for acting as lender of last resort—or, less desirable, impose a windfall tax on bank profits or a “Tobin tax” on transactions.
The three credit bureaus — Experian, Equifax, and TransUnion — collect data from lenders, creditors, and other financial entities to create a " story" of you and your credit history called a credit report.
And even using a credit card as long as you pay the balance in full every month can help improve your credit score by showing lenders you can responsibly manage debt.
And poor ones, who are also suffering from capital flight, are crying out for cash. The IMF, the world's crisis lender, is already parcelling out loans.