When deciding whether to offer a loan, a lending institution would look more favorably upon a borrower who a has a high debt-to-credit ratio b consistently lives outside his or her means c has a re

When deciding whether to offer a loan, a lending institution would look more favorably upon a borrower who

a has a high debt-to-credit ratio

b consistently lives outside his or her means

c has a relatively low credit score

d has no history of late bill payments