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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