Why Do I Have Credit Problems? Why is it that some lenders say “no” when others say “yes”? Here is why – all lenders make a judgment about: Character (your willingness to repay) Capacity (your ability to pay) Collateral (the value of what you are buying) Several tools aid lenders

What Is “Less Than Perfect” Credit? How you used your credit in the past and the reasons for your past financial difficulties are two factors that figure in your ability to get a loan. The first step is to understand whether or not you are considered a credit risk. Most