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Survey of Credit Underwriting Practices

August 2010

**Figure 12: Methods Used To Change Retail Underwriting Standards**
(Percent of Responses)
	Tightened	Eased
Scorecard	61	40
Collateral	60	100
Debt Service	51	40
Pricing	44	40
Credit Line	37	20
Maturity	21	20
Amortization	20	20
Documentation	53	20

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