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Religion Question 5. Question : (TCO 3) All of the following provide data to credit bureaus except banks. finance companies. merchants. court records. the Internal Revenue Service. Question 6. Question : (TCO 3) One of the five Cs that describes a borrower's attitude toward his or her credit obligations is called character. capital. capacity. collateral. conditions. Question 7. Question : (TCO 3) One of the five Cs of lending refers to a borrower's financial ability to meet credit obligations; this is called collateral. character. capital. capacity. conditions.