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Selecting the credit application that is consumer’s.

When the lender has determined if the customer is creditworthy, it may decide regarding the credit application that is consumer’s.

The key problem to be addressed during this period is exactly what doing in case there is the negative results of the creditworthiness test. The theory behind accountable financing implies that when this happens the financial institution should simply just just take reasonable actions to guard the customer contrary to the danger of a problematic payment situation. These actions can include warning the customer concerning this danger and sometimes even not giving any credit in a few circumstances.