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what are the top 5 categories most credit unions review when extending credit?

1. Credit Score (Experian, Trans Union, Equifax)
2. Intent to Pay (Payment History)
3. Ability to Pay (Debt to Income Ratio)
4. Job Security (length of Employment)
5. Housing Status (Rent vs Own)

In today’s market, underwriters are given very little flexibility when approving unsecured credit (credit cards) and their approval is typically based on the five factors above. In most cases, the consumer’s credit score will determine the APR.