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The Five C's of Credit
Lenders assess your credit card based on history income and overall financial history
Making sure you have a history of paying back what you owe ...
Capital is your income
Collateral is if you dont pay something off, do you own anything
Capacity ability to repay
Conditions how the borrower intends to use the money
Character is your credit history
Why would college students need cosigners?
If you dont have credit it makes it harder to be a consumer