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Lenders and landlords will use different guidelines, but they all will want to know the same thing: Can you afford the payment and will you make it on time? They will look at the following to determine your creditworthiness:
Lenders are looking for the same qualities that you look for when you lend someone something. If a friend borrows a book, you hope they return it in good condition. If you lend a family member money, you hope that he or she will pay you back on time, according to terms that you both agree on.
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