The five cs if credit

capacity

Capacity measures a borrower's ability to repay a loan by comparing income against recurring debts and assessing the borrower's debt-to-income

collateral

Lenders also consider any capital the borrower puts toward a potential investment. A large contribution by the borrower decreases the chance of default.

credit score

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual.

subprime borrower

A subprime borrower is an individual with a less than perfect credit rating

cosigner

a person who signs an official document (such as a loan, contract, or law) with another person : a person who cosigns something

cosign

he act of signing for another person's debt which involves a legal obligation made by the cosigner to make payment on the other person's debt should that person default

conditions

he conditions of the loan, such as its interest rate and amount of principal, influence the lender's desire to finance the borrower. Conditions refer to how a borrower intends to use the money

capital

is a system used by lenders to gauge the creditworthiness of potential borrowers.

character

sometimes called credit history, the first C refers to a borrower's reputation or track record for repaying debts.