• Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.)
  
• Presence of adverse public records (bankruptcy, judgements, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items)
  
• Severity of delinquency (how long past due)
  
• Amount past due on delinquent accounts or collection items
  
• Time since (recency of) past due items (delinquency), adverse public records (if any), or collection items (if any)
  
• Number of past due items on file
  
  
• Number of accounts paid as agreed

Click Here for a More Detailed Explanation

Amount of credit owing

• Amount owing on accounts
  
• Amount owing on specific types of accounts
  
• Lack of a specific type of balance, in some cases
  
• Number of accounts with balances
  
• Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)
  
• Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)

Click Here for a More Detailed Explanation

Length of time credit established

• Time since accounts opened
  
• Time since accounts opened, by specific type of account
  
• Time since account activity

Click Here for a More Detailed Explanation

Search for and acquisition of new credit

• Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account
  
• Number of recent credit inquiries
  
• Time since recent account opening(s), by type of account
  
• Time since credit inquiry(s)
  
• Re-establishment of positive credit history following past payment problems

Click Here for a More Detailed Explanation

Types of credit established

• Number of (presence, prevalence, and recent information on) various types of accounts (credit cards, retail accounts, installment loans, mortgage, consumer finance accounts, etc.)

Click Here for a More Detailed Explanation