Your bank sets a consistent policy that everyone follows. It should define whether or not a guarantor is considered for interest an applicant or not. It should also determine (like mentioned) if it is (among other criteria)
HIGHEST SCORE
LOWEST SCORE
AVERAGE SCORE
FIRST SCORE -
then stick to it. Deviation from policy is a 4 letter word.
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Integrity. With it, nothing else matters. Without it, nothing else matters.