The document discusses how the current economy has made it more difficult for consumers to qualify for credit and loans due to tighter lending guidelines and reduced credit limits and lines of credit from lenders seeking to minimize risk. It suggests consumers may need to consider alternative financing options like merchant cash advances, factoring, showroom financing, and short-term loans as traditional sources of credit become less accessible. It also provides tips for consumers to regularly monitor their credit and approvability to help manage their credit risk and stay aware of their financing options.

1. Credit the impact of today’s economy on approvability

9. So What are Lenders really looking for?

16. What is the importance of FICO®?

17. FICO™ is all about managing risk

18. FICO™ accurately predicts defaults

19. FICO™ accurately predicts defaults

22. What about other scoring models?

25. Are Credit Bureaus all the Same?

28. How is FICO® Calculated?

37. Here’s a Problem

45. Here’s a Solution