–  6  In Boston and Cleveland, small business owners reported that their credit scores declined after credit-limit reductions led to higher debt ratios, despite the fact they were always current with payments. In some cases, the credit  BIS Review 99/2010  score downgrades made it extremely difficult to borrow and resulted in businesses’ closure or bankruptcy.
–  In Miami, business owners and intermediaries expressed concern that lenders are placing greater emphasis on business owners’ personal credit to determine creditworthiness and denying credit to small businesses where the owner has a good business plan but impaired credit.