This chapter discussed the need financial institutions have to control credit risk by lending to creditworthy borrowers. If you allow your credit to deteriorate, you may find yourself unable to borrow when you need to. Go to http://quicken.intuit.com/support/help/managing-your-credit/winning-back-your-financeshow-to-increase-your-credit-score-in-6-months-/INF24303.html. What factors affect your creditworthiness? What can you do to improve your appeal to lenders?