drenched in debt: sumerjido en la deuda

By bending the rules: volarse las reglas

ways of assessing consumers ability: formas de evaluar la capacidad del
consumidor
to scour phone: buscar en el telefono
information drawn from DVD clubs: la informacin obtenida de los clubes de
DVD
struggle: strive
steady profits: beneficios estables
tightened: apretado
quarterly revenue: ingresos trimestrales
now claims to have developed reliable ways: ahora afirma haber desarrollado
mtodos fiables
been off the grid: estado fuera de la red
creditworthiness: solvencia
bright spots: puntos brillantes
third-quarter figures: cifras del tercer trimestre
subprime: de alto riesgo
mortgages: hipotecas
patchier:
Aggregate household debt balances: saldos de la deuda total de los hogares
embarked on a project: embarcado en un proyecto
blemished records: registros imperfectos
led: lead (dirigir)
custom scoring: puntuacin personalizada
in partnership with: en alianza con
utility bills: facturas de servicios pblicos
broader approach: enfoque ms amplio
someone who has some bumps in the road on credit