What are some other examples of what lenders are doing to limit their risk, and what can I do to adjust to this "credit crunch" so that I'll continue to have a good FICO score?
Some banks are lowering credit lines and closing accounts that have had little or no recent activity. These actions can hurt your score if they result in higher credit utilization (percentage of balance to credit limit); therefore, you're going to want to preserve your credit lines by keeping your credit card accounts open and using them frequently while, at the same time, maintaining low balances.
The Score That Matters®
The FICO Score is the standard credit score in the US, used in more than 90% of lending decisions.