拖欠比率下降，主要是因为认可机构提前就个人破产个案进行撇帐。
The decline was largely due to institutions making charge-offs in relation to personal bankruptcies earlier.
拖欠比率下降，部分是因为个人破产个案上升令机构增加撇帐。
The decline was due in part to increased write-offs made by institutions in relation to personal bankruptcies.
优抵押贷款借款者通常有削弱的信用记录，其中包括支付拖欠，并有可能更加严重的问题，如撇帐，判决，和破产。
Subprime borrowers typically have weakened credit histories that include payment delinquencies, and possibly more severe problems such as charge-offs, judgments, and bankruptcies.
优抵押贷款借款者通常有削弱的信用记录，其中包括支付拖欠，并有可能更加严重的问题，如撇帐，判决，和破产。
Subprime borrowers typically have weakened credit histories that include payment delinquencies, and possibly more severe problems such as charge-offs, judgments, and bankruptcies.
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