Which of the following is NOT one of the 5 C's of Credit?

The five C's of credit are fundamental concepts that lenders use to evaluate the creditworthiness of borrowers. These components include Character, Capacity, Capital, Collateral, and Conditions. Each of these elements plays a crucial role in understanding the risk associated with a loan application.

In this context, Credit history, while undeniably important in assessing someone’s ability to repay debt, is not one of the five C's of credit. Rather, it is considered a part of the larger evaluation of a borrower's character and capacity. Credit history looks specifically at the borrower’s past borrowing and repayment behaviors, which informs lenders about the likelihood of future repayments.

Therefore, identifying Credit history as not being one of the five C's illustrates the importance of distinguishing between the components specifically defined under the five C's framework and the broader concepts that support those elements in credit assessment.