Chris asks Sarah to cosign, but she says that she doesn't have a good credit history. Which of the following make her unable to cosign for Chris? She has a good character since she pays all credit card bills in full. She has made late payments which affects her character. She has very little debt which affects her capacity. She owns her condo which affects her collateral.

The correct answer is: She has made late payments which affects her character.<br /><br />Explanation: When considering a person's creditworthiness, lenders look at several factors, including their credit history, character, capacity, and collateral. In this case, Sarah's lack of a good credit history is the main concern. Making late payments can negatively impact a person's credit history and character, making them appear less reliable and responsible in the eyes of lenders. This can make it difficult for Sarah to cosign for Chris, as lenders may view her as a higher risk. The other options provided do not directly address the issue of Sarah's credit history and its impact on her ability to cosign.