*****  BORROWER:  DOE, JOHN M.  ***** TU Score:  [00627]        Reason1=[022]    Reason2=[016]  Reason3=[028]   Reason4=[004] TRW Score:  [00631]       Reason1=[022]   Reason2=[016]   Reason3=[028]   Reason4=[032] EQUIFAX:   [00619]       Reason1=[022]    Reason2=[016]   Reason3=[028]   Reason4=[032]

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 national 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 high 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

y cross-referencing the numbers shown on the credit report with the items in the table, we can see what caused John Doe's score to go down.  Be sure and ask your mortgage broker or lender what your score is and what "reasons" are listed.  With this information you can perform your own credit repair without paying some consultant to tell you the same thing! Remember, if you feel there's an error in your credit report, contact the credit bureaus and dispute the information and inform your mortgage broker or lender as well.  It's also wise to obtain a copy of your credit report every year to make sure the information is correct and up to date. Equifax/Beacon Exoerian/Fair Isaac Trans Union/Emperica << Back More on: Credit scoring Information subject to change at any time for any reason Privacy, Licensing and Security, All Rights Reserved