When deciding whether to offer a loan, a lending institution would look more favorably upon a borrower who a has a high debt-to-credit ratio b consistently lives outside his or her means c has a re

When deciding whether to offer a loan, a lending institution would look more favorably upon a borrower who
a has a high debt-to-credit ratio
b consistently lives outside his or her means
c has a relatively low credit score
d has no history of late bill payments

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