Tomas because of the ratio of his debt to income is less. The reason of the giving Tomas on tenant because he is more worthiness, Fewer late payments and less debt.
What is creditworthiness?
Creditworthiness is the belief of the lender to borrower to pay all of their debt on time. A creditworthy borrower is one that a lender believes is willing, competent, and responsible enough to make loan payments on time until the debt is repaid.
Thus, option A is correct.
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