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Unformatted text preview: Collateral This makes you a better credit risk to the lender Capacity Lenders will evaluate your debt-payment ratio. Conditions The lender is taking your unique situation under consideration. Character Previous credit history Capacity This shows how long you have worked for your employer and if you have obtained an education. Collateral Having more at stake may make you less likely to default on a loan. Capacity FP/101...
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- Spring '12