Determining Credit a Suggestive Method for Credit Committees of Credit Unions
Determining Credit a Suggestive Method for Credit Committees of Credit Unions
R S Hale
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Savings, year before last 5 Total 120 B. Loans without collateral security 1. Purpose (see above, A 1) 10 2. Proportion of loan to income 10 (If no larger than weekly income, give maximum points. ) 3. How long in present position or with present employers (1 point a year, maximum 10) 4. How long with last employer 10 (1 point a year, maximum 10) 5. Housekeeping or boarding 5 (A man keeping house is a better risk than one who is boarding. If the former, give maximum points. ) 6. How long living ...at present address 10 (1 point a year, maximum 10) 6 7. How long at last address 10 (1 point a year, maximum 10) 8. How many legal dependents 5 (A man without dependents should ordinarily be able to pay his debts, but a married man with children is usually a better risk. For five dependents, give maximum of 5 points and 1 point less for each less or greater number. ) 9. Life insurance: 10 a. What company b. Kind of policy c. Amount d. How long in force e. Any outstanding loans against it ; if so, what amount 10.
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