• Severity – How bad are the deliquesces?
• Recently- How recent are they?
• Frequency- How many times did it occur?
Amount Owed- 30% of the score
• Large outstanding balances on installment loans.
• The ratio of balances of credit limits on revolving accounts.
Length of credit history- 15% of the score
• Age of trade lines ( the age of the oldest account, the average age of account or both)
New credit- 10% of the score
• Number of inquiries and new account openings
Types of credit used- 10% of the score
• Number of trade lines reported for each type: Bank Cards, retail, department store,
installment loans etc.
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