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Morning Energizer

Unscramble 16, 13, 3 and 15 to reveal best department  in the credit union system.
Horizontales
Record of bad _____ is not good.
Be this?
We may ask for this if they have limited credit depth
We send to this "approvals" if they owe us more than our limits
Opposite of Auto decline
We deal direct with the
Equifax or Trans ________.
One of our partners is?
Has driven a few Mustangs in his day
Verticales
175 is not a good this?
If it is affordable their ____ will be below 40.
Be this?
If there DSR is below 1.25:1 it is an?
Be this ?
We get a lot of good info for commercial deals here ?
Everyday in_____
Be this?
We make strong and ____ decisions?
We are ___ Conexus