application information\nquestions\tharold\telaina\nhow many years have you had your job?\t3\t7\nwhat is…

application information\nquestions\tharold\telaina\nhow many years have you had your job?\t3\t7\nwhat is your monthly salary?\t$2,600\t$2,250\nhow many credit cards do you have?\t2\t6\nhow much debt do you have?\t$3,000\t$12,000\nhow many times were you late with payments on credit cards in the past year?\t1\t8\nwho will get the better loan rate from the banker and why?\nelaina because she has more credit cards available to her.\nelaina because she has had her job longer, which makes her look more stable.\nharold because he makes more money per month.\nharold because he pays his bills on time and does not have too much debt compared to his income.

application information\nquestions\tharold\telaina\nhow many years have you had your job?\t3\t7\nwhat is your monthly salary?\t$2,600\t$2,250\nhow many credit cards do you have?\t2\t6\nhow much debt do you have?\t$3,000\t$12,000\nhow many times were you late with payments on credit cards in the past year?\t1\t8\nwho will get the better loan rate from the banker and why?\nelaina because she has more credit cards available to her.\nelaina because she has had her job longer, which makes her look more stable.\nharold because he makes more money per month.\nharold because he pays his bills on time and does not have too much debt compared to his income.

Answer

Explanation:

Step1: Analizar factores de riesgo

Los prestamistas consideran años de empleo, salario, cantidad de tarjetas de crédito, deuda y retrasos en pagos. Harold tiene 3 años de empleo, un salario mensual de $2,600, 2 tarjetas de crédito, una deuda de $3,000 y 1 retraso en el año pasado. Elaine tiene 7 años de empleo, un salario mensual de $2,250, 6 tarjetas de crédito, una deuda de $12,000 y 8 retrasos en el año pasado.

Step2: Comparar factores

Aunque Elaine tiene más años de empleo, tiene más tarjetas de crédito, mucha más deuda y muchos más retrasos. Harold gana más al mes y tiene menos deuda en relación con su ingreso y menos retrasos.

Answer:

Harold because he pays his bills on time and does not have too much debt compared to his income.