|
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
|
