APPLICANT (AVG 612 ) |
|
SCORECARD |
EQUIFAX EDAS |
526 |
|
REASONS |
NUMBER OF ACCOUNTS SHOWING PAYMENT LATE BY 90 DAYS OR MORE/
PUBLIC RECORD ITEMS |
|
|
UTILIZATION OF AVAILABLE CREDIT ON ALL ACCOUNTS |
|
NUMBER OF MONTHS SINCE OLDEST ACCOUNT HAS BEEN OPENED |
|
NO REVOLVING DEPARTMENT STORE ACCOUNTS REPORTED - LAST 9
MONTHS |
|
SCORECARD |
EQUIFAX BEACON |
658 |
|
REASONS |
Account not paid as agreed,
public record, or collection agency filing |
|
|
Too many accounts with
balances |
|
Length of time accounts
have been established |
|
Proportion of balances to
credit limits is too high on bank revolving or other
revolving |
|
SCORECARD |
EXPERIAN
Experian/Fair, Isaac Model |
697 |
|
REASONS |
Length of time accounts
have been established |
|
|
Proportion of balance to
high credit on bank revolving or all revolving accounts |
|
Current balances on
accounts |
|
Number of recent
inquiries |
|
SCORECARD |
EXPERIAN New
National Risk Model |
94 |
|
REASONS |
Existing balances on
accounts |
|
|
Number of credit
inquiries |
|
Average age of
accounts |
|
Balance to limit ratios on
accounts |
|
SCORECARD |
EXPERIAN
Experian/MDS Bankruptcy Model |
431 |
|
REASONS |
Ratio of balances to total
credit limit on all accounts |
|
|
Age of oldest reported
account |
|
Ratio of bank revolving
balances to credit limits or lack of bank revolving account
information |
|
Presence of recent
inquiries |
|
SCORECARD |
EXPERIAN
Experian/Fair, Isaac Bankcard Model |
693 |
|
REASONS |
Length of time accounts
have been established |
|
|
Proportion of balance to
high credit on bank revolving or all revolving accounts |
|
Current balances on
accounts |
|
Number of recent
inquiries |
|
SCORECARD |
EXPERIAN
Experian/Fair, Isaac Installment Model |
673 |
|
REASONS |
Length of time accounts
have been established |
|
|
Proportion of current loan
balance to original loan amount |
|
Proportion of balance to
high credit on bank revolving or all revolving accounts |
|
Current balance on
revolving accounts |
|
SCORECARD |
TRANS UNION
TransRisk Auto |
613 |
|
REASONS |
Length of time bank
revolving accounts have been established is too short |
|
|
Too many recent
inquiries |
|
Too few satisfactory
accounts |
|
Too many recent
delinquencies |
|
SCORECARD |
TRANS UNION
EMPIRICA |
494 |
|
REASONS |
Serious delinquency, and
public record or collection filed |
|
|
Time since delinquency is
too recent or unknown |
|
Length of time since
derogatory public record or collection is too short |
|
Number of accounts with
delinquency |
|