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Video: What Does a Creditor Think of Me?

October 20, 2025
CONSUMER is a private, non-profit 501 c3 organization dedicated to providing consumers with the highest quality financial education and counseling services.

Course Duration: 15 Minutes

  • Understand how CREDITORS evaluate loan applications by analyzing the applicant's CREDIT SCORE, DEBT LEVEL, and INCOME.
  • Identify the factors that negatively affect LOAN ELIGIBILITY, including PAYMENT HISTORY and the DEBT-TO-INCOME RATIO.
  • Recognize financial practices that strengthen your credit profile, such as diversifying the types of credit, paying on time, and maintaining a low credit utilization.
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CONSUMER is a nonprofit credit counseling organization. The goal of CONSUMER is to offer guidance and assistance to individuals seeking to manage and overcome financial challenges through education, financial counseling, and debt management programs. The information provided is solely for educational purposes. It is recommended to consult with a licensed financial advisor and a licensed tax advisor before making any major financial decisions. CONSUMER is not a debt settlement company, credit repair company, credit repair service, nor does it provide loans for debt consolidation. By using this website, you acknowledge and agree that CONSUMER is not responsible for the financial decisions you make based on the information provided on this site.

CONSUMER offers FREE online financial courses at Consumer Educational Space. Register Today.

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