35In that regard, recital 26 in the preamble to that directive states that creditors should bear the responsibility of checking individually the creditworthiness of the consumer, and that they should be allowed to use information provided by the consumer not only during the preparation of the credit agreement in question, but also during a long-standing commercial relationship. That obligation thus aims to make creditors accountable and to avoid loans being granted to consumers who are not creditworthy.
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