132, 34 Atl 424. As to the distinction between competency and credibility. nee COMPETENCY. —Credibly informed. The statement in a pleading or affidavit that one is ‘‘credibly informed and verily believes” such and such. Facts, means that, having no direct personal know!- edge of the matter in question, he has derived his information in regard. to it from authentic sources or from the statements of persons wha are not only “credible.” in the sense of being trustworthy. but also informed as to the par ticular matter or conversant with it. ;