Worksheets4C's of Credit Analysis
Total questions: 20
Worksheet time: 30mins
Has 3 months' salary saved?
Collateral
Capital
Character
Capacity
Credit History
Pays bills on time
Collateral
Capital
Character
Capacity
Credit History
Is currently unemployed?
Collateral
Capital
Character
Capacity
Credit History
Income vs Debt Ratio
Collateral
Capital
Character
Capacity
Credit History
Keeps $20,000 under his mattress?
Collateral
Capital
Character
Capacity
Credit History
A person's reputation
capital
collateral
character
capacity
Money a borrower is will to put toward a loan; the more the borrower is willing to put toward the investment the more likely the borrower will repay the loan
character
capacity
capital
collateral
conditions
Have you ever been refused credit?
Character
Capacity
Capital (collateral)
Have you regularly made payments on time?
Character
Capacity
Capital (collateral)
Do you have any stocks, bonds, or real estate?
Character
Capacity
Capital (collateral)
Which of the following characteristics does a credit report mostly determine?
Trustworthiness
Friendliness
Humility
Goodness
Which of the following is something you should NOT do?
Pay on time
Reach your credit card limit
Use the same name for different credit cards
Rely on faithful payment history for a good credit score
When borrowing money:
go for low interest rates
pay back when you have the time
go for high interest rates
let your parents take care of it
credit history & reputation of borrowing money
conditions
capacity
character
collateral
personal or business equity invested in the business or asset
capital
collateral
conditions
capacity
borrowing against a mortgage or equipment is an example of _____
capacity
capital
collateral
character
references, your reputation, credit score, and work experiences impact ______
character
conditions
collateral
capital
What type of loans do banks offer for homes?
Payday loans
Title loans
Mortgages
Pawnshop loans
Property pledged to assure repayment of a loan?
Capital
Closed-End Credit
Capacity
Collateral
