Which borrower has the best credit?
a. Carla (gross income $45,000, 30% debt-to-income ratio, 490 credit score, has frequently defaulted on past loans)
b. Michael (gross income $30,000, 30% debt-to-income ratio, 770 credit score, has not defaulted on debt payments)
c. John (gross income $60,000, 55% debt-to-income ratio, 670 credit score, has missed 2 car payments in the past 6 months)
d. Non of the above