Obtaining credit begins with you. After you complete a credit. applieation, the lender decides if you are a goad risk. Agencies that collect credit information about individuals are called eredit bureaus. For a fee, they provide information about you that lenders need to decide if you are a good risk. The information you provide on your application is checked ageinst the intormation the credit bureaus have collected about you. Why is your credit application approved or denied? Good news-your credit application was approved. What are the major factors about you that the lender used to evaluate your creditworthiness? Check all that apply. Condition Rellgion Good news-your credit application was approved. What are the major foctors about you that the iender uped to evaluate yout creditworthiness? Check all that spply. Condition Relligion Character Capacity Physical appearance Marital status Your friend recently applied for credit and was turned down. Why was your friend probabily denied credit? Check all that apply. Debt safety ratio greater than 20% FCO score less than 350 Inaccurate credit report that reflects a poor credit history Debt safety ratio less than 10% False or misleading information on your application Application error-for instance transposed figure in street address (for example, 124 Main St. instead of 142 Main St.); all other information is accurate Absence of checking, savings, or other credit accounts History of personal bankruptcy