Developers and lenders are trying many approaches to help the large pool of what are now considered "marginal buyers."

Your lender will try to contact you by mail and phone soon after you stop making payments.

They also make clear that lenders cannot try to get around them by offering benefits to "school-affiliated" groups, like alumni organizations.

Some lenders are still trying to unload environmentally problematic properties they took back in the recession.

The foreclosure process is an expensive one that lenders usually try to avoid.

And many lenders are also aggressively trying to work out deals rather than foreclose.

The result, he said, is that lenders will try to make card borrowing more expensive in an attempt to maintain their lucrative profit margins.

This can only lead to a partial picture where lenders try to succeed within their own parameters, without all the facts on the likely borrower.

It has been in use for many years as lenders try to measure loan risk in terms of interest rates and other fees.

In addition, lenders try to keep their interest formulas hidden for proprietary concerns.