Credit Authorizer how-to

How to Review a Credit Application Against Policy

Policy keeps decisions consistent.

Updated By the Career Education Institute Curriculum Team
Quick answer

Policy keeps decisions consistent. In short: check; check; calculate, then complete the remaining steps below.

Step by step

  1. Check score cutoffs.

  2. Check income.

  3. Calculate debt-to-income.

  4. Review recent delinquencies.

  5. Approve, decline or refer.

  6. Send required notices.

Safety reminders for credit authorizers

  • Protect applicant data
  • Follow FCRA and ECOA
  • Report fraud
  • Avoid discrimination

Authorization · Credit report · Credit score · Credit limit · Adverse action notice · FCRA: see the full credit authorizer glossary.

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