Lenders need to minimize their risks, and pay a lot of attention to such factors, as repayment ability and credit characteristics of the prospective borrower. (badcreditloanservices.com)
Many insurance companies consider certain credit characteristics in addition to many other factors when determining an individual's rate. (financial-education-icfe.org)
I say «representative profiles» because we focused on consumers whose credit characteristics (e.g., utilization, delinquency history, age of file) were typical of the three score points considered. (fico.com)