The higher the score, which ranges from 300 to 850, the lower the credit risk. Credit scores are used to inform lenders when they assess an individual's credit risk. See Board of Governors, “The U.S. Housing Market,” p. 6 (see note 1). 4  BIS central bankers’ speeches  explain this reluctance to lend.
Mario Draghi: Financial stability and growth – the role of the euro Speech by Mr Mario Draghi, Governor of the Bank of Italy, at the “Europe and the Euro” Conference, NBER-Bocconi University, Milan, 17 October 2008. *  *  *  To anticipate the thrust of my discussion today, I will concentrate essentially on two themes: 1.