Removes unused model and routes (#546)

app/models/credit.rb

@@ -1,2 +0,0 @@
-class Credit < Account
-end

config/routes.rb

@@ -12,16 +12,6 @@ Rails.application.routes.draw do
     resources :valuations
   end
 
-  scope "accounts/new" do
-    scope "bank" do
-      get "", to: "accounts#new_bank", as: "new_bank"
-    end
-
-    scope "credit" do
-      get "", to: "accounts#new_credit", as: "new_credit"
-    end
-  end
-
   # Reveal health status on /up that returns 200 if the app boots with no exceptions, otherwise 500.
   # Can be used by load balancers and uptime monitors to verify that the app is live.
   get "up" => "rails/health#show", as: :rails_health_check