1.   Besides scoring consumers, Fair, Isaac pioneered using the same techniques to grant loans to businesses.

2.   When a customer is granted a loan by his bank, the sum of money lent is added to his account.

3.   These specialize in granting loans for house purchase.

4.   For example, banks grant personal loans to customers to be repaid in instalments over a set number of years.

5.   As California went into recession, McNall and several of his staff began concealing debts and overvaluing their assets in order to persuade banks to grant them loans.

6.   Banks used this information, known as a direct deposit indicator, when deciding whether to grant the loan to a filer.

7.   Brazilian and U.S. officials said on Monday that there were no discussions about granting the loans ahead of schedule.

8.   Brazilian and U.S. officials said on Monday, however, that there were no discussions about granting the loans ahead of schedule.

9.   But by granting fewer loans, the banks have contributed to credit squeezes at home and elsewhere in Asia.