| 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 |
|
EQUIFAX 
