<em>Job security</em> is how likely an individual will keep his job, this factor will determine if the person has a constant and secure money income.<em> Credit history</em> is the individual's ability to repay debts and it demonstrates how responsible the person is. Finally, the<em> debt to income</em> is how lenders measure the individual's capacity to manage their payments.
<em>Therefore, all these factors are important because they all measure the individual's capacity to pay their debts.</em>
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