Chart 7. The title is "Credit Risk Models Have been Underpredicting the Extent of Problems in Subprime Loan Portfolios." A bar chart showing the percentage of respondents indicating that actual loan portfolio performance was worse than predicted by credit risk models. For mortgage lenders, the percentage was 40.7; for credit card lenders, the percentage (from nine respondents) was 55.6 percent; for other consumer lenders, the percentage was 66.7.