Late payments generally have the highest negative impact on a score. |
We don't know how this is going to impact the propensity to file bankruptcy. |
We found it interesting that some states that historically have low rates of bankruptcy have high propensities. I think some of it's going to be related to the economic changes. For states to see that kind of difference, some things have changed. |
We've done performance comparisons of our scores, including bankruptcy scores, and generally they are very predictive. |