|
CREDIT BUREAU RISK
SCORE REASONS |
EQUIFAX
FACTA BEACON 5.0 |
TRANS UNION
EMPIRICA
98 |
EXPERIAN
FAIR ISAAC
VER 2 |
| Amount owed on
accounts is too high |
1 |
1 |
1 |
| Level of
delinquency on accounts |
2 |
2 |
2 |
| Too few bank
revolving accounts |
3 |
N/A |
3 |
| Too many bank or
national revolving accounts |
4 |
N/A |
4 |
| Too many
accounts with balances |
5 |
5 |
5 |
| Too many
consumer finance company accounts |
6 |
6 |
6 |
| Account payment
history is too new to rate |
7 |
7 |
7 |
| Too many recent
inquiries last 12 months |
8 |
8 |
8 |
| Too many
accounts recently opened |
9 |
9 |
9 |
|
Proportion of balances to credit limits is too high on
bank revolving or other revolving accounts |
10 |
10 |
10 |
| Amount owed on
revolving accounts is too high |
11 |
11 |
11 |
| Length of time
revolving accounts have been established |
12 |
12 |
12 |
| Time since
delinquency is too recent or unknown |
13 |
13 |
13 |
| Length of time
accounts have been established |
14 |
14 |
14 |
| Lack of recent
bank revolving information |
15 |
15 |
15 |
| Lack of recent
revolving account information |
16 |
16 |
16 |
| No recent
non-mortgage balance information |
17 |
17 |
17 |
| Number of
accounts with delinquency |
18 |
18 |
18 |
| Date of last
inquiry too recent |
N/A |
19 |
N/A |
| Too few accounts
currently paid as agreed |
19 |
27 |
19 |
| Length of time
since derogatory public record or collection is too short |
20 |
20 |
20 |
| Amount past due
on accounts |
21 |
21 |
21 |
| Serious
delinquency, derogatory public record or collection filed |
22 |
22 |
22 |
| Number of bank
or national revolving accounts with balances |
23 |
N/A |
23 |
| No recent
revolving balances |
24 |
24 |
24 |
| Number of
revolving accounts |
26 |
N/A |
26 |
| Number of
established accounts |
28 |
28 |
28 |
| No recent
bankcard balances |
N/A |
29 |
29 |
| Time since most
recent account opening too short |
30 |
30 |
30 |
| Too few accounts
with recent payment information |
31 |
N/A |
31 |
| Lack of recent
installment loan information |
32 |
4 |
32 |
| Proportion of
loan balances to loan amounts is too high |
33 |
3 |
33 |
| Amount owed on
delinquent accounts |
34 |
31 |
34 |
| Serious
delinquency and public record or collection filed |
38 |
38 |
38 |
| Serious
delinquency |
39 |
39 |
39 |
| Derogatory
public record or collection filed |
40 |
40 |
40 |
