Why lenders care more about behaviour than income

Income gets you through the door.

Behaviour decides the outcome.

Lenders look at patterns:

• missed payments

• recent credit searches

• balance creep

• reliance on short-term credit

Two people can earn the same money and carry completely different risk.

Credit isn’t judged on what you earn — it’s judged on how you manage pressure when money is tight.

That’s why history matters more than promises.