Susan Has Always Maintained an Excellent Credit Rating Over the Years

question 44

Multiple Choice

Susan has always maintained an excellent credit rating over the years. She has an annual income of $63,000, has lived at her current residence thirteen years, and has worked at the same job for eight years. Susan works in a clerical position, has two credit cards and maintains two bank accounts. Susan is very conservative and has all of her savings ($12,000) in a NOW account at her local bank. One of her credit cards has a balance of $550 and has an APR of 23%. Susan has been making monthly minimum payments on the credit card. Out of curiosity she would like to know how her credit card companies judge her creditworthiness and what she can do to improve her financial situation.
-Which one of the following items of evaluation would Susan score the highest on?

• A) employment history
• B) annual income
• C) length of residence
• D) none of the above

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Definitions:

Strong Ego

In psychoanalytic theory, a well-balanced self that effectively manages the demands of the id, superego, and reality.

Inheritance

The process by which genetic information is passed from parents to offspring, influencing various traits and characteristics.

College Education

A post-secondary education program offering a broad knowledge base in various fields, leading to a degree or certificate.

Reality Principle

An ego function that negotiates between the desires of the id and the limitations of the external world.