36Directive 2008/48 does not contain an exhaustive list of the information with which the creditor must assess the consumer’s creditworthiness, nor does it specify whether that information must be scrutinised and in what way that should be done. Rather, the wording of Article 8(1) of Directive 2008/48, read in the light of recital 26 in its preamble, affords the creditor a margin of discretion for the purposes of determining whether or not the information at its disposal is sufficient to demonstrate the consumer’s creditworthiness and whether it must check that information against other evidence.
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