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  • Capacity. The present and future ability to meet your financial obligations. Some of the areas examined would be your work history and the amount of debtthat you already owe.
  • Capital. Savings and other assets that could be used as Collateral for loans. Even if you are not required to post collateral, many creditors express a preference that you have assets other than income that could be used to repay a loan.
  • Character. This boils down to trustworthiness, promptness in paying your existing bills and other debts, and your credit history.
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Q: What are the 3 C's of creditworthiness?
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