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Unformatted text preview: Collateral This makes you a better credit risk to the lender Character Lenders will evaluate your debt-payment ratio. Conditions The lender is taking your unique situation under consideration. Capital Previous credit history Capital This shows how long you have worked for your employer and if you have obtained an education. Capacity Having more at stake may make you less likely to default on a loan. Character FP/101...
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- Spring '11