| CREDIT BUREAU RISK SCORE REASONS |
EQUIFAX |
TRANS UNION |
EXPERIAN |
| 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 |
