| in the use of credit information | 12 | manner |
| significantly | 4 | degree |
| in committee | 4 | location |
| act → be → improved | 22 |
| act → make → improvement | 11 |
| act → be → improvement | 10 |
| act → need → improvement | 3 |
| negative | neutral | positive |
| 0.106 | 0.464 | 0.430 |
| Raw frequency | 46 |
| Normalized frequency | 0.395 |
| Modifier score | 1.000 |
| Perplexity | 163.458 |