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LPH
03-24-2007, 09:57 AM
Behind the fast approval processes for credit cards and loans is the automated underwriting software (http://www.nytimes.com/2007/03/23/business/23speed.html?ex=1332302400&en=6b66aa68bde2ae24&ei=5088&partner=rssnyt&emc=rss).

Did you know:
Automated underwriting software spawned an array of subprime mortgages, like those that required no down payment or interest-only payments. The software effectively helped move what was a niche product only a decade ago into the mainstream.