Testimonies
Peter - Before
Peter XPN - Experian/Fair, Isaac V2 611
10 - Proportion of balance to high credit on revolvings accounts
14 - Length of time accounts have been established
08 - Too many inquiries last 12 months
05 - Number of accounts with balances
Peter EFX - EQUIFAX BEACON 5.0 614
10 - Proportion of balances to credit limits is too high on revolving accounts
30 - Time since most recent account opening is too short
13 - Time since delinquency is too recent or unknown
05 - Too many accounts with balances
Peter TUC - FICO CLASSIC 2004 638
10 - Proportion of balances to credit limits too high on revolving accounts
30 - Time since most recent account opening is too short
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
Peter - After
Peter XPN - Experian/Fair, Isaac V2 687
08 - Too many inquiries last 12 months
10 - Proportion of balance to high credit on revolvings accounts
14 - Length of time accounts have been established
05 - Number of accounts with balances
Peter EFX - EQUIFAX BEACON 5.0 678
30 - Time since most recent account opening is too short
13 - Time since delinquency is too recent or unknown
05 - Too many accounts with balances
14 - Length of time accounts have been established
Peter TUC - FICO CLASSIC 2004 706
30 - Time since most recent account opening is too short
14 - Length of time accounts have been established
10 - Proportion of balances to credit limits too high on revolving accounts
12 - Length of time revolving accounts have been established
Vyacheslav - Before
VYACHESLAV XPN - Experian/Fair, Isaac Model 661
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
- TOO MANY INQUIRIES LAST 12 MONTHS
VYACHESLAV EFX - EQUIFAX BEACON 5.0 646
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
- Number of inquiries adversely affected the score, but not significantly
VYACHESLAV TUC - FICO CLASSIC 2004 672
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Vyacheslav - After
VYACHESLAV XPN - Experian/Fair, Isaac Model 702
39 - Serious delinquency
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
- TOO MANY INQUIRIES LAST 12 MONTHS
VYACHESLOV EFX - EQUIFAX BEACON 5.0 756
10 - Proportion of balances to credit limits is too high
30 - Time since most recent account opening is too short
11 - Amount owed on revolving account is too high
14 - Length of time accounts have been established
- Number of inquiries adversely affected the score, but not significantly
VYACHESLAV TUC - FICO CLASSIC 2004 735
10 - Proportion of balances to credit limits is too high
30 - Time since most recent account opening is too short
12 - Length of time revolving accounts have been established
11 - Amount owed on revolving account is too high
Pilar - Before
PILAR
EQUIFAX/FACTA BEACON 5.0 535
00039 - SERIOUS DELINQUENCY
00013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
00034 - AMOUNT OWED ON DELINQUENT ACCOUNTS
FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY
PILAR
TRANSUNION/FICO CLASSIC (04) 418
038 - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
020 - LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
FA - INQUIRIES IMPACTED THE CREDIT SCORE
PILAR
EXPERIAN/FAIR, ISAAC (VER. 2) 468
38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED
20 - TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
13 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
08 - TOO MANY INQUIRIES LAST 12 MONTHS
Pilar - After
PILAR
EQUIFAX/FACTA BEACON 5.0 536
00039 - SERIOUS DELINQUENCY
00013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
00018 - NUMBER OF ACCOUNTS WITH DELINQUENCY
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY
PILAR
TRANSUNION/FICO CLASSIC (04) 518
038 - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
020 - LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
FA - INQUIRIES IMPACTED THE CREDIT SCORE
PILAR
EXPERIAN/FAIR, ISAAC (VER. 2) 512
38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED
18 - NUMBER OF ACCOUNTS WITH DELINQUENCY
20 - TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
08 - TOO MANY INQUIRIES LAST 12 MONTHS
Dmitriy - Before
DMITRIY XPN - Experian/Fair, Isaac Model 559
39 - Serious delinquency
13 - Time since delinquency is too recent or unknown
10 - Proportion of balances to credit limits is too high
21 - Amount past due on accounts
- TOO MANY INQUIRIES LAST 12 MONTHS
DMITRIY EFX - EQUIFAX BEACON 5.0 501
39 - Serious delinquency
10 - Proportion of balances to credit limits is too high
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
- Number of inquiries adversely affected the score, but not significantly
DMITRIY TUC - FICO CLASSIC 2004 541
39 - Serious delinquency
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
13 - Time since delinquency is too recent or unknown
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Dmitriy - After
DMITRIY XPN - Experian/Fair, Isaac Model 636
39 - Serious delinquency
10 - Proportion of balance to high credit on revolvings accounts
13 - Length of time (or unknown time) since account delinquent
14 - Length of time accounts have been established
- TOO MANY INQUIRIES LAST 12 MONTHS
DMITRIY EFX - EQUIFAX BEACON 5.0 673
10 - Proportion of balances to credit limits is too high on revolving accounts
14 - Length of time accounts have been established
30 - Time since most recent account opening is too short
06 - Too many consumer finance company accounts
- Number of inquiries adversly affected the score, but not significantly
DMITRIY TUC - FICO CLASSIC 2004 659
39 - Serious delinquency
10 - Proportion of balances to credit limits too high on revolving accounts
05 - Too many accounts with balances
13 - Time since delinquency is too recent or unknown
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Luis - Before
LUIS
EQUIFAX/FACTA BEACON 5.0 683
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
00018 - NUMBER OF ACCOUNTS WITH DELINQUENCY
00013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY
LUIS
TRANSUNION/FICO CLASSIC (04) 702
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
006 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
FA - INQUIRIES IMPACTED THE CREDIT SCORE
LUIS
EXPERIAN/FAIR, ISAAC (VER. 2) 632
38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
20 - TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
18 - NUMBER OF ACCOUNTS WITH DELINQUENCY
08 - TOO MANY INQUIRIES LAST 12 MONTHS
Luis - After
LUIS
EQUIFAX/FACTA BEACON 5.0 741
00008 - TOO MANY INQUIRIES LAST 12 MONTHS
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
00030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
00006 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
LUIS
TRANSUNION/FICO CLASSIC (04) 757
030 - TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT
012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
006 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
FA - INQUIRIES IMPACTED THE CREDIT SCORE
LUIS
EXPERIAN/FAIR, ISAAC (VER. 2) 711
08 - TOO MANY INQUIRIES LAST 12 MONTHS
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
06 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS
Mikhail - Before
MIKHAIL XPN - Experian/Fair, Isaac Model 656
38 - Serious delinquency, and derogatory public record or collection filed
14 - Length of time accounts have been established
20 - Length of time since derogatory public record or collection
24 - No recent revolving balances
- TOO MANY INQUIRIES LAST 12 MONTHS
MIKHAIL EFX - EQUIFAX BEACON 5.0 593
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
14 - Length of time accounts have been established
20 - Length of time since derogatory public record or collection
- Number of inquiries adversely affected the score, but not significantly
MIKHAIL TUC - FICO CLASSIC 2004 599
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
20 - Length of time since derogatory public record or collection
18 - Number of accounts with delinquency
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Mikhail - After
MIKHAIL XPN - Experian/Fair, Isaac Model 687
39 - Serious delinquency
14 - Length of time accounts have been established
24 - No recent revolving balances
02 - Level on delinquency on accounts
- TOO MANY INQUIRIES LAST 12 MONTHS
MIKHAIL EFX - EQUIFAX BEACON 5.0 653
39 - Serious delinquency
13 - Time since delinquency is too recent or unknown
14 - Length of time accounts have been established
18 - Number of accounts with delinquency
- Number of inquiries adversely affected the score, but not significantly
MIKHAIL TUC - FICO CLASSIC 2004 664
39 - Serious delinquency
13 - Time since delinquency is too recent or unknown
14 - Length of time accounts have been established
24 - No recent revolving balances
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Dasar - Before
DASAR XPN - EXPERIAN/FAIR, ISAAC (VER. 2) 611
38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS 18 - NUMBER OF ACCOUNTS WITH DELINQUENCY
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
08 - TOO MANY INQUIRIES LAST 12 MONTHS
DASAR EFX - EQUIFAX/FACTA BEACON 5.0 582
00038 - SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED
00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS 00018 - NUMBER OF ACCOUNTS WITH DELINQUENCY
00013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY
- Number of inquiries adversely affected the score, but not significantly
DASAR TRANSUNION/FICO CLASSIC 2004 522
038 - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS 018 - NUMBER OF ACCOUNTS WITH DELINQUENCY
FA - INQUIRIES IMPACTED THE CREDIT SCORE
Dasar - After
DASAR XPN - Experian/Fair, Isaac Model 684
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
08 - Too many inquiries last 12 months
DASAR EFX - EQUIFAX BEACON 5.0 674
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
20 - Length of time since derogatory public record or collection
- Number of inquiries adversely affected the score, but not significantly
DASAR TUC - FICO CLASSIC 2004 745
14 - Length of time accounts have been established
24 - No recent revolving balances
Rita & Simon - Before
Rita XPN - Experian/Fair, Isaac Model 492
39 - Serious delinquency
18 - Number of accounts with delinquency
13 - Time since delinquency is too recent or unknown
10 - Proportion of balances to credit limits is too high
- TOO MANY INQUIRIES LAST 12 MONTHS
Simon XPN - Experian/Fair, Isaac Model 542
39 - Serious delinquency
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
21 - Amount past due on accounts
- TOO MANY INQUIRIES LAST 12 MONTHS
Rita EFX - EQUIFAX BEACON 5.0 445
39 - Serious delinquency
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
13 - Time since delinquency is too recent or unknown
- Number of inquiries adversely affected the score, but not significantly
Simon EFX - EQUIFAX BEACON 5.0 459
39 - Serious delinquency
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
34 - Amount owed on delinquent accounts
- Number of inquiries adversely affected the score, but not significantly
Rita TUC - FICO CLASSIC 2004 503
39 - Serious delinquency
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
Simon TUC - FICO CLASSIC 2004 529
39 - Serious delinquency
18 - Number of accounts with delinquency
10 - Proportion of balances to credit limits is too high
13 - Time since delinquency is too recent or unknown
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Rita & Simon - After
Rita XPN - Experian/Fair, Isaac Model 552
39 - Serious delinquency
18 - Number of accounts with delinquency
13 - Time since delinquency is too recent or unknown
14 - Length of time accounts have been established
- TOO MANY INQUIRIES LAST 12 MONTHS
Simon XPN - Experian/Fair, Isaac Model 608
39 - Serious delinquency
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
- TOO MANY INQUIRIES LAST 12 MONTHS
Rita EFX - EQUIFAX BEACON 5.0 547
39 - Serious delinquency
18 - Number of accounts with delinquency
10 - Proportion of balances to credit limits is too high
13 - Time since delinquency is too recent or unknown
Simon EFX - EQUIFAX BEACON 5.0 591
39 - Serious delinquency
18 - Number of accounts with delinquency
13 - Time since delinquency is too recent or unknown
12 - Length of time revolving accounts have been established
- Number of inquiries adversely affected the score, but not significantly
Rita TUC - FICO CLASSIC 2004 586
39 - Serious delinquency
18 - Number of accounts with delinquency
10 - Proportion of balances to credit limits is too high
14 - Length of time accounts have been established
Simon TUC - FICO CLASSIC 2004 633
39 - Serious delinquency
18 - Number of accounts with delinquency
13 - Time since delinquency is too recent or unknown
05 - Too many accounts with balances
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Costica & Ioana - Before
COSTICA XPN - Experian/Fair, Isaac Model 549
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
- TOO MANY INQUIRIES LAST 12 MONTHS
IOANA XPN - Experian/Fair, Isaac Model 503
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
- TOO MANY INQUIRIES LAST 12 MONTHS
COSTICA EFX - EQUIFAX BEACON 5.0 465
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
- Number of inquiries adversely affected the score, but not significantly
IOANA EFX - EQUIFAX BEACON 5.0 480
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
10 - Proportion of balances to credit limits is too high
- Number of inquiries adversely affected the score, but not significantly
COSTICA TUC - FICO CLASSIC 2004 492
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
IOANA TUC - FICO CLASSIC 2004 512
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Costica & Ioana - After
COSTICA XPN - Experian/Fair, Isaac Model 646
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
- TOO MANY INQUIRIES LAST 12 MONTHS
IOANA XPN - Experian/Fair, Isaac Model 592
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
14 - Length of time accounts have been established
13 - Time since delinquency is too recent or unknown
- TOO MANY INQUIRIES LAST 12 MONTHS
COSTICA EFX - EQUIFAX BEACON 5.0 555
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
13 - Time since delinquency is too recent or unknown
- Number of inquiries adversely affected the score, but not significantly
IOANA EFX - EQUIFAX BEACON 5.0 543
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
13 - Time since delinquency is too recent or unknown
14 - Length of time accounts have been established
- Number of inquiries adversely affected the score, but not significantly
COSTICA TUC - FICO CLASSIC 2004 549
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
IOANA TUC - FICO CLASSIC 2004 565
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Darlene & Robert - Before
DARLENE XPN - Experian/Fair, Isaac Model 569
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
- TOO MANY INQUIRIES LAST 12 MONTHS
ROBERT XPN - Experian/Fair, Isaac Model 546
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
- TOO MANY INQUIRIES LAST 12 MONTHS
DARLENE EFX - EQUIFAX BEACON 5.0 560
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
34 - Amount owed on delinquent accounts
- Number of inquiries adversely affected the score, but not significantly
ROBERT EFX - EQUIFAX BEACON 5.0 535
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
- Number of inquiries adversely affected the score, but not significantly
DARLENE TUC - FICO CLASSIC 2004 566
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
10 - Proportion of balances to credit limits is too high
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
ROBERT TUC - FICO CLASSIC 2004 533
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Darlene & Robert - After
DARLENE XPN - Experian/Fair, Isaac Model 646
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
13 - Time since delinquency is too recent or unknown
08 - Too many inquiries last 12 months
ROBERT XPN - Experian/Fair, Isaac Model 667
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
08 - Too many inquiries last 12 months
02 - Level on delinquency on accounts
DARLENE EFX - EQUIFAX BEACON 5.0 675
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
08 - Too many inquiries last 12 months
06 - Too many consumer finance company accounts
ROBERT EFX - EQUIFAX BEACON 5.0 621
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
34 - Amount owed on delinquent accounts
13 - Time since delinquency is too recent or unknown
- Number of inquiries adversely affected the score, but not significantly
DARLENE TUC - FICO CLASSIC 2004 676
38 - Serious delinquency, and derogatory public record or collection filed
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
08 - Too many inquiries last 12 months
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
ROBERT TUC - FICO CLASSIC 2004 673
39 - Serious delinquency
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
10 - Proportion of balances to credit limits is too high
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Arsenio - Before
ARSENIO XPN - Experian/Fair, Isaac Model 586
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
10 - Proportion of balances to credit limits is too high
20 - Length of time since derogatory public record or collection
- TOO MANY INQUIRIES LAST 12 MONTHS
ARSENIO EFX - EQUIFAX BEACON 5.0 530
38 - Serious delinquency, and derogatory public record or collection filed
18 - Number of accounts with delinquency
10 - Proportion of balances to credit limits is too high
14 - Length of time accounts have been established
- Number of inquiries adversely affected the score, but not significantly
ARSENIO TUC - FICO CLASSIC 2004 510
38 - Serious delinquency, and derogatory public record or collection filed
10 - Proportion of balances to credit limits is too high
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Arsenio - After
ARSENIO EQUIFAX/BEACON 5.0 582
00038 - SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED
00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
00018 - NUMBER OF ACCOUNTS WITH DELINQUENCY
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
ARSENIO TRANSUNION/FICO CLASSIC (04) 597
039 - SERIOUS DELINQUENCY
013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
018 - NUMBER OF ACCOUNTS WITH DELINQUENCY
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
FA - INQUIRIES IMPACTED THE CREDIT SCORE
ARSENIO EXPERIAN/FAIR, ISAAC (VER. 2) 630
38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS
18 - NUMBER OF ACCOUNTS WITH DELINQUENCY
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
08 - TOO MANY INQUIRIES LAST 12 MONTHS
Roman - Before
ROMAN - EQUIFAX/FACTA BEACON 5.0 544
00038 - SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
00013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY
ROMAN - TRANSUNION/FICO CLASSIC (04) 579
038 - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
020 - LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
FA - INQUIRIES IMPACTED THE CREDIT SCORE
ROMAN - EXPERIAN/FAIR, ISAAC (VER. 2) 577
38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
20 - TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT
08 - TOO MANY INQUIRIES LAST 12 MONTHS
Roman - After
ROMAN - EQUIFAX/FACTA BEACON 5.0 624
00040 - DEROGATORY PUBLIC RECORD OR COLLECTION FILED
00014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
00013 - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS
FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY
ROMAN - TRANSUNION/FICO CLASSIC (04) 634
039 - SERIOUS DELINQUENCY
018 - NUMBER OF ACCOUNTS WITH DELINQUENCY
014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
005 - TOO MANY ACCOUNTS WITH BALANCES
FA - INQUIRIES IMPACTED THE CREDIT SCORE
ROMAN - EXPERIAN/FAIR, ISAAC (VER. 2) 620
39 - SERIOUS DELINQUENCY
10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS
18 - NUMBER OF ACCOUNTS WITH DELINQUENCY
14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
08 - TOO MANY INQUIRIES LAST 12 MONTHS
Kim - Before
KIM XPN - Experian/Fair, Isaac Model 654
39 - Serious delinquency
13 - Time since delinquency is too recent or unknown
10 - Proportion of balances to credit limits is too high
14 - Length of time accounts have been established
- TOO MANY INQUIRIES LAST 12 MONTHS
KIM EFX - EQUIFAX BEACON 5.0 610
13 - Time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
14 - Length of time accounts have been established
08 - Too many inquiries last 12 months
KIM TUC - FICO CLASSIC 2004 652
39 - Serious delinquency
10 - Proportion of balances to credit limits is too high
18 - Number of accounts with delinquency
13 - Time since delinquency is too recent or unknown
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score
Kim - After
KIM XPN - Experian/Fair, Isaac V2 699
10 - Proportion of balance to high credit on revolvings accounts
08 - Too many inquiries last 12 months
14 - Length of time accounts have been established
13 - Length of time (or unknown time) since account delinquent
KIM EFX - EQUIFAX BEACON 5.0 743
10 - Proportion of balances to credit limits is too high on revolving accounts
14 - Length of time accounts have been established
30 - Time since most recent account opening is too short
12 - Length of time revolving accounts have been established
- Number of inquiries adversly affected the score, but not significantly
KIM TUC - FICO CLASSIC 2004 717
10 - Proportion of balances to credit limits too high on revolving accounts
30 - Time since most recent account opening is too short
12 - Length of time revolving accounts have been established
18 - Number of accounts with delinquency
- In Addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score