EQ 8 | TU 8 | EX 8 |
Account payment history is too new to rate | Account payment history is too new to rate | Account payment history is too new to rate |
Amount owed on accounts is too high | Amount owed on accounts is too high | Amount owed on accounts is too high |
Amount owed on delinquent accounts | Amount owed on delinquent accounts | Amount owed on delinquent accounts |
DOES NOT TRACK | Amount owed on mortgage loans is too high | Amount owed on mortgage loans is too high |
Amount owed on retail accounts | DOES NOT TRACK | Amount owed on retail accounts |
Amount owed on revolving accounts is too high | Amount owed on revolving accounts is too high | Amount owed on revolving accounts is too high |
DOES NOT TRACK | Amount paid down on open installment loans is too low | Amount paid down on open installment loans is too low |
DOES NOT TRACK | Amount paid down on open mortgage loans is too low | Amount paid down on open mortgage loans is too low |
Amount past due on accounts | Amount past due on accounts | Amount past due on accounts |
Derogatory public record or collection filed | Derogatory public record or collection filed | Derogatory public record or collection filed |
DOES NOT TRACK | Frequency of delinquency | Frequency of delinquency |
DOES NOT TRACK | Lack of recent auto loan information | Lack of recent auto loan information |
Lack of recent bank/national revolving information | Lack of recent bank/national revolving information | Lack of recent bank/national revolving information |
DOES NOT TRACK | Lack of recent consumer finance company account information | Lack of recent consumer finance company account information |
Lack of recent installment loan information | Lack of recent installment loan information | Lack of recent installment loan information |
Lack of recent non-mortgage installment loan info | Lack of recent reported mortgage loan information | Lack of recent reported mortgage loan information |
Lack of recent retail account information | DOES NOT TRACK | Lack of recent retail account information |
Lack of recent revolving account information | Lack of recent revolving account information | Lack of recent revolving account information |
DOES NOT TRACK HERE
| Lack of recent revolving HELOC information | Lack of recent revolving HELOC information |
Length of time accounts have been established | Length of time accounts have been established | Length of time accounts have been established |
Length of time bank/national revolving accounts have been established | Length of time bank/national revolving accounts have been established | Length of time bank/national revolving accounts have been established |
Length of time installment loans have been established | DOES NOT TRACK | Length of time installment loans have been established |
DOES NOT TRACK | Length of time open installment loans have been established | Length of time open installment loans have been established |
DOES NOT TRACK | Length of time open mortgage loans have been established | Length of time open mortgage loans have been established |
DOES NOT TRACK | Length of time reported mortgage accounts have been established | Length of time reported mortgage accounts have been established |
Length of time revolving accounts have been established | Length of time revolving accounts have been established | Length of time revolving accounts have been established |
Level of delinquency on accounts | Level of delinquency on accounts | Level of delinquency on accounts |
No recent bank/national revolving balances | No recent bank/national revolving balances | DOES NOT TRACK |
No recent non-mortgage balance information | No recent non-mortgage balance information | No recent non-mortgage balance information |
No recent retail balances | DOES NOT TRACK | No recent retail balances |
No recent revolving balances | No recent revolving balances | No recent revolving balances |
Number of accounts with delinquency | Number of accounts with delinquency | Number of accounts with delinquency |
Number of established accounts | Number of established accounts | Number of established accounts |
Number of revolving accounts | DOES NOT TRACK | Number of revolving accounts |
Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high | Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high | Ratio of balances to credit limits on bank revolving or other revolving accounts is too high |
DOES NOT TRACK | Proportion of balances to credit limits on revolving HELOC accounts is too high | Ratio of balances to credit limits on revolving HELOC accounts is too high |
DOES NOT TRACK | Proportion of balances to loan amounts on auto accounts is too high | Proportion of balances to loan amounts on auto accounts is too high |
DOES NOT TRACK | Proportion of balances to loan amounts on mortgage loans is too high | Proportion of balances to loan amounts on mortgage loans is too high |
Proportion of loan balances to loan amounts is too high | Proportion of loan balances to loan amounts is too high | Proportion of loan balances to loan amounts is too high |
DOES NOT TRACK | Proportion of revolving HELOC balances to total revolving balances is too high | Proportion of revolving HELOC balances to total revolving balances is too high |
Serious delinquency | Serious delinquency | Serious delinquency |
Serious delinquency, and public record or collection filed | Serious delinquency, and public record or collection filed | Serious delinquency, and public record or collection filed |
Time since delinquency is too recent or unknown | Time since delinquency is too recent or unknown | Time since delinquency is too recent or unknown |
Time since derogatory public record or collection is too short | Time since derogatory public record or collection is too short | Time since derogatory public record or collection is too short |
Time since most recent account opening is too short | Time since most recent account opening is too short | Time since most recent account opening is too short |
Too few accounts currently paid as agreed | Too few accounts currently paid as agreed | Too few accounts currently paid as agreed |
Too few accounts with recent payment information | DOES NOT TRACK | Too few accounts with recent payment information |
DOES NOT TRACK | Too few active accounts | Too few active accounts |
Too few bank/national revolving accounts | DOES NOT TRACK | Too few bank/national revolving accounts |
Too many accounts recently opened | Too many accounts recently opened | Too many accounts recently opened |
Too many accounts with balances | Too many accounts with balances | Too many accounts with balances |
Too many bank/national revolving accounts | DOES NOT TRACK | Too many bank/national revolving accounts |
Too many consumer finance company accounts | Too many consumer finance company accounts | Too many consumer finance company accounts |
Too many inquiries last 12 months | Too many inquiries last 12 months | Too many inquiries last 12 months |
| Too many mortgage loans with balances | Too many mortgage loans with balances |
| Too many recently opened installment accounts | Too many recently opened installment accounts |