1. Capacity
   1. ratio
      1. debt
         1. income
   2. job
      1. length
2. Character
   1. references
      1. reliability
3. Credit History
   1. bureau
      1. payments
         1. on-time
         2. amount
4. Capital
   1. net-worth
      1. cash
      2. savings
      3. investments
      4. possessions
      5. stock
      6. retirement
      7. life-insurance
5. Collateral
   1. property
      1. taxable
   2. valuables