Usually the individual who seeks a loan is at the same tune a customer of the bank, and so additional facts can be found in the records of certain departments. From the bookkeeping department the average deposit balance can be learned, and from the loan and discount departments the history of past loans can be disclosed. An almost limitless mass of general credit information relating to applicants for loans may be uncovered in the daily newspapers and in the financial weeklies. The information thus gathered from direct and indirect sources is collected in credit folders, each filed according to the name of the borrower. This record book contains the business history of the applicant. It also includes a complete financial statement of his current assets and liabilities, and a comparative survey of these items covering a period of several years. Interviews by officers of the bank and reports by field investigators are presented in brief. A statement is also made of the average balance and extent of previous loans of the borrower. While the bank thus gathers credit information from a wide variety of sources, these serve merely as checks to the borrower's financial statement or property blank which really constitutes the basis of an unsecured loan....

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