Information

Credit Bureau Risk Score Reasons

Amounts owed on accounts is too high

Level of delinquency on accounts

Too few bank revolving accounts

Too many bank or national revolving accounts

Too many accounts with balances

Too many consumer finance company accounts

Account payment history is too new to rate

Too many recent inquiries last 12 months

Too many accounts recently opened

Proportion of balance to credit limits is too high on bank

revolving or other revolving accounts

Amount owed on revolving accounts is too high

Length of time revolving accounts have been established

Time since delinquency is too recent or unknown

Length of time accounts have been established

Lack of recent bank revolving information

Lack of recent revolving account information

No recent non-mortgage balance information

Number of accounts with delinquency

Date of last inquiry too recent

Too few accounts currently paid as agreed

Date of last inquiry too recent

Length of time since derogatory public record or

collection is too short

Amount past due on accounts

Number of bank or national revolving accounts

with balances

No recent revolving balances

Number of revolving accounts

Number of established accounts

No recent bankcard balances

Time since most recent account opening too short

Too few accounts with recent payment information

Lack of recent installment loan information

Proportion of loan balances to loan amounts too high

Amount owed on delinquent accounts

Serious delinquency and public record or collection filed

Serious delinquency

Derogatory public record or collection filed

FICO® scores consider a wide range of information on your credit report. However, they do not consider:

Your race, color, religion, national origin, sex and marital status.

US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.

Your age.

Other types of scores may consider your age, but FICO scores don't.

Your salary, occupation, title, employer, date employed or employment history.

Lenders may consider this information, however, as may other types of scores.

Where you live.

Any interest rate being charged on a particular credit card or other account.

Any items reported as child/family support obligations or rental agreements.

Certain types of inquiries (requests for your credit report).

The score does not count “consumer-initiated” inquiries – requests you have made for your credit report, in order to check it. It also does not count “promotional inquiries” – requests made by lenders in order to make you a “pre-approved” credit offer – or “administrative inquiries” – requests made by lenders to review your account with them. Requests that are marked as coming from employers are not counted either.

Any information not found in your credit report.

Any information that is not proven to be predictive of future credit performance.

Whether or not you are participating in a credit counseling of any kind.