Reason

TRW

TU

EQUIFAX

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 of 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 limits is 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

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 delinquency, derogatory public record or collection

22

22

22

Too many bank or nat'nl revolving accts with balances

N/A

N/A

23

No recent revolving balances

24

24

24

Proportion of loan balances to loan amounts is too hi

33

3

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

N/A

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 information

31

N/A

31