|
CREDIT SCORING CHART
|
| The big three credit reporting agencies |
Experian
|
Trans Union
|
Equifax
|
| Initials of Big Three Credit Reporting Agencies |
XPN |
TU or TRU |
EFX |
| Trade Names variations for scoring systems |
Fair Isaac |
New |
Facta Beacon 5.0 |
| Empirica |
| Trade Names variations for scoring systems |
FICO |
FICO Classic 98 |
| "A" Paper borrowers will have most factors from this range and occasionally, some from bottom range. |
Amount owed on accounts is too high |
1 |
1 |
1 |
| 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 |
| Consumer finance accounts |
6 |
6 |
6 |
| Account payment history too new to rate |
7 |
7 |
7 |
| Too many recent inquiries last 12 months |
8 |
8 |
8 |
| Too many accounts opened in last 12 months |
9 |
9 |
9 |
| Proportion of balances to credit limit too high |
10 |
10 |
10 |
| Amount owed on revolving accounts is too high |
11 |
11 |
11 |
| Length of revolving credit history is too short |
12 |
12 |
12 |
| Time since delinquent is too recent or unknown |
13 |
13 |
13 |
| Length of credit history is too short |
14 |
14 |
14 |
| Lack of recent bank revolving information |
15 |
15 |
15 |
| "B" Paper borrowers might have several factors from this range and some from top range as well. |
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 |
| Too few accounts currently paid as agreed |
19 |
27 |
19 |
| Time since derogatory public record or collection |
20 |
20 |
20 |
| Amount past due on accounts |
21 |
21 |
21 |
| Serious derogatory public record or collection |
22 |
22 |
22 |
| Too many bank or revolving accts with balances |
N/A |
N/A |
-23 |
| No recent revolving balances |
24 |
24 |
24 |
| Proportion of balance to loan amounts too high |
33 |
33 |
33 |
| Lack of recent installment loan information |
32 |
4 |
32 |
| Date of last inquiry too recent |
N/A |
19 |
N/A |
| Time since last account opening too short |
30 |
30 |
30 |
| Number of revolving accounts |
26 |
26 |
26 |
| Number of bank revolving or revolving accounts |
N/A |
26 |
N/A |
| Number of established accounts |
28 |
28 |
28 |
| No recent bankcard balances |
N/A |
29 |
N/A |
| Too few accounts with recent payment info |
31 |
N/A |
31 |
