Matching Pairs Credit Ratings ReviewOnline version Match the ALL CAPS term with the lower case explanation by Chris McCormick 1 CREDITOR 2 CAPACITY 3 COLLATERAL 4 CREDIT BUREAUS 5 FICO 6 CHARACTER a consumer credit rating company used by lenders to gauge a person's borrowing risk tells creditors if you are able to pay them back; considers your ratio of debt and income used as security in case a borrower struggles to pay; assets or the item for which the loan is a financial institution that lends money or extends a line a of credit tells creditors if you are reliable to pay them back; your credit history and reputation a data collection agency that gathers account information from creditors and shares input with consumer credit rating companies such as FICO