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Unformatted text preview: collateral This makes you a better credit risk to the lender Collateral Lenders will evaluate your debt-payment ratio. Capacity The lender is taking your unique situation under consideration. Conditions Previous credit history Character This shows how long you have worked for your employer and if you have obtained an education. Character Having more at stake may make you less likely to default on a loan. capital FP/101...
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- Spring '10