A new survey finds since September 2008, there are 88 million fewer accounts and credit lines, which have been reduced by $751 billion while 4.36% of bankcard accounts are more than 60 days late, the worst seen in 5 years. New accounts opened were 54% lower than July 2008. According to the latest Equifax “Credit Trends Report, cards issued to those with risk scores higher than 740 grew from 28% in July 2007 to more than 50% in July while those with Equifax “Risk Scores” of 660 and below dropped from 42% to 22% in the same period. Also, for the first nine months of 2009, bankruptcy filings are 40% higher than last year. Filings have already exceeded one million compared with the 2008 year-long total of 1.1 million.