The granting of a credit is in force reason why generally Cs is known like the five of the good credit, they are: * Character: You are a person that he pays his accounts precise? Capital: It has sufficient income and/or net patrimony to contract debt Capacity of payment: Are you a stable person? They are its sufficiently safe income and their use like guaranteeing the payment of its debt? Collateral: It has real goods or guarantees that assure the collection their debt? Conditions: The present situation of the market and the economic conduction of the government have altered the economico-financial balance to the point of which the increase of the interest rates would cause that you were yourself crippled to pay his debt as was settled down? These five Cs are fundamental principles that they are easily verifiable by the institutions of credit, if a person does not own a file of credit, it must begin to demonstrate the qualities that could animate to their deserving potentials to grant the credit to him that it is asking for. The maintenance of a good image will be fundamental to be able to accede to the undeniable benefits of the system, but it must consider very that the financial stability, requires of a serious conduct and responsible, some of his must be considered very seriously basic principles: saving capacity (to spend less than the income) to plan investments, such as, house, education, health, and to avoid to fall in the claws of the consumption, especially in the days of crisis is very important to know how to separate the vital thing of the trivial thing. Charles Margulis contributes greatly to this topic. Hugo W. Arostegui Analyst in Management of Companies, Consultant in Economy, Religious, Theological Leader, Administrator of Hospitals.