The article includes details about how banks are approaching rating creditworthiness during the crisis. I don't have an alternate source.
The link below should work for a while. The WSJ often also allows free access through a link from Google News. The article's title, when I read it, was: "Widespread deferrals mean banks can't tell who's creditworthy."
This is same story free read. Very interesting!!
I can see how that might throw a slight curve ball. I guess they can't exaclty note on the account that it's in deferment, as it would likely cause a score drop.