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  • Chuck & Charlie
  • This is Chuck. He has a credit score of 450, which is making it hard for him to get funding for his book.  Not to mention he only earns  $1,430 a month.
  • Cats Author:  Chuck
  • This is Charlie. Charlie works in IT,  and is trying to buy a   car  to make  getting to work easier.  She earns  $3,859 monthly and has a credit score of  780.
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  • So both of them went to the bank to get a loan.
  • First, Richard looked at their character, or credit history. Chuck got a X after Richard saw that this isn't the first loan Chuck has asked for. Chuck also had taken a long time to pay back that loan as well. Not to mention, Chuck's credit score was only 450. Charlie though, got a check, after Richard saw that Charlie paid back her student loans on time. Her credit score is also 780.
  • Then he looked at their capitol, or assets. Chuck got an X for this one as well. He rents an tiny little house and usually only keeps $25.00 in the bank. Though Charlie passed this one as well. She has a stable job, a savings account with a little less than $10,000 in it, and even owns a car.
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