Creditors consider several factors in determining whether you receive credit. These factors include your income and ability to repay debt, your creditworthiness and credit history, your job stability, and your assets. The higher your income level, the more likely that someone will take a chance and extend you credit. If you have a history of missing payments or making late payments, that reflects poorly on your credit history and makes you less a creditworthy individual. Likewise, if you have worked at the same job for a period of time, that stability could be factored into the credit loan decision. Also, if you have assets (a car, a house and other property), those could be considered in the credit process.

• Didn’t the U.S. Congress just pass a new law on credit cards?
• What should you do if you have too much debt?
• How do you know if you have too much debt?
• Are there different types of credit?
• What is APR?
• Why is credit expensive?
• What is credit and why is it so important?
• Did the U.S. Supreme Court rely on international law in reaching its decision against the death penalty for juvenile offenders?
• Can a juvenile defendant receive the death penalty or life in prison without the possibility of parole?
• Do juveniles in juvenile court receive all of the same rights as adults charged in criminal court?
• If you’re convicted of a crime as a juvenile can you be tried as an adult?
• What is ineffective assistance of counsel?
• If a direct appeal process and the state post-conviction process both fail, are there any other legal avenues?
• What is a post-conviction proceeding?
• If an appellate court reverses a trial court, what happens next?
• What is the direct appeal?
• What is an appellate brief?
• What is the record?
• Is there a time limit on appeals?
• What are some commonly alleged errors in criminal trials?