damn i never knew bankruptcy risk scores existed, http://www.moneysavingfreetips.com/b...isk-score.html

"But do you know that apart from a credit score, you also have a Bankruptcy Risk Score? Most people think that financial establishments only look at your credit score in order to determine if you're worthy enough for a car/house/student loan. This is right to a certain extent, but however in today's competitive economy, financial institutions are looking at something more than a credit score. This is called a bankruptcy risk score."