Вы находитесь на странице: 1из 5

Reference #: F98419113

Original Report Date:

06/27/2011

Name: Madalene Mickey DOB: 12/05/1930 Address: 1623 Portage Avenue Unit 5 Chesterton, IN 46304

Your credit score is based on information from your 3 Bureau Merged credit repor t. The higher your score is, the better chance you have of getting the credit yo u apply for. Your credit score based on your Equifax credit report is 691 on a scale of 352-848 Experian credit report is 723 on a scale of 352-848 TransUnion credit report is 719 on a scale of 352-848

Your credit score is based on information from your 1-bureau (Equifax) credit re port. The higher your score is, the better chance you have of getting the credit you apply for. Your credit score based on your Equifax report is 691 on a scale of 352-848 .

Your Score

The oldest bank revolving account, HSBC BANK has been open for a period of 60 mo nth(s). This type of account is typically accessed via a credit card. There is a credit limit, the balance can be carried over from month to month, and the minimum mont hly payment is calculated on a percentage of the unpaid balance. Lenders like to see all accounts reflect a good payment history over time. Recently opened acco unts can indicate an increase in available credit and other changes to your over all credit picture. Lenders typically like to see how you handle your available credit and recently opened accounts may make it difficult to gauge credit worthi ness and your ability to manage debt. The time frames for considering an account recent are typically short (6-12 months). If you pay your bills on time for the se and all other accounts, their negative impact on your score should be quickly reduced. Your credit report contains 0 mortgage(s). These accounts are loans to finance the purchase of real estate, usually with sp ecified payment periods and interest rates. Lenders like to see a good mix of ac count types and loans on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that y ou have managed it with care. A low number of accounts in any one type may indic ate an inability to establish credit. It may also make it difficult to gauge cre dit worthiness and your ability to manage debt. An additional account of this ty pe may help increase your score. However, taking on more debt than you can handl e will almost always negatively impact your score to a greater degree than not h aving enough accounts. Confidential Credit Smart Score (Smart Score) is provided solely as a tool to as

sist you in better understanding how lenders evaluate your credit reports. The s core is for educational purposes only, and does not qualify you for any loan. Yo ur lender may use a scoring model that differs from the one used by Smart Score. As a result, your Smart Score and the factors we have identified as contributin g to your Smart Score may vary from the score produced by your lender's scoring model and the score factors identified by that model. In addition, a credit scor e is only one of many factors used by a lender in underwriting loans, and such o ther factors may affect a lender's credit decision. Each lender has its own unde rwriting criteria, and the weight given to a particular credit score by lenders may differ. The explanatory materials accompanying your Smart Score are not intended to be a "quick fix" for improving your credit score. Since under most scoring models, i n order to improve your credit score, you must concentrate on paying your bills on time, paying down outstanding balances, maintaining the proper amount and mix of debt, and developing a consistent track-record of being able to handle your accounts over a significant period of time, it is likely to take some time to me aningfully improve your credit score. Moreover, the operation of the factors use d credit scores is complex, and a change intended to improve a specific factor m ay backfire and result in an overall decline the score. For example, while openi ng new accounts may improve a person's debt mix, it may also lower the average a ccount age and increase the amount of debt owed resulting in an overall lower cr edit score. The explanatory materials are general in nature, and should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble paying your bills, you should contact a non-profit or other legitimate credit counselor. Rather, the explanatory materials have been provide d solely to help you understand how specific features in your credit report are reflected in your Smart Score. Therefore, you should use the materials for educa tional purposes only.

Your credit score is based on information from your 1-bureau (Experian) credit r eport. The higher your score is, the better chance you have of getting the credi t you apply for. Your credit score based on your Experian report is 723 on a scale of 352-848 .

Your Score

Your credit report contains 0 mortgage(s). These accounts are loans to finance the purchase of real estate, usually with sp ecified payment periods and interest rates. Lenders like to see a good mix of ac count types and loans on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that y ou have managed it with care. A low number of accounts in any one type may indic ate an inability to establish credit. It may also make it difficult to gauge cre dit worthiness and your ability to manage debt. An additional account of this ty pe may help increase your score. However, taking on more debt than you can handl e will almost always negatively impact your score to a greater degree than not h aving enough accounts. Your credit report contains 0 revolving account(s) from banks.

These are revolving accounts issued by banks. You can access anything up to the credit limit at anytime and pay it back over time. These are typically credit ca rds or lines of credit. Lenders like to see a good mix of account types and loan s on a credit report with all accounts showing good payment history. They want t o see that other lenders have extended you credit and that you have managed it w ith care. A low number of accounts in any one type may indicate an inability to establish credit. It may also make it difficult to gauge credit worthiness and y our ability to manage debt. An additional account of this type may help increase your score. However, taking on more debt than you can handle will almost always negatively impact your score to a greater degree than not having enough account s. Your credit report contains 4 retail account(s). These are revolving accounts issued by retail stores (e.g. clothing, electronics , and sporting goods stores that offer a charge card). They are typically access ed via a credit card. There is a credit limit, the balance can be carried over f rom month to month, and the minimum monthly payment is calculated on a percentag e of the unpaid balance. Lenders like to see a good mix of account types and loa ns on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that you have managed it with care. A low number of accounts in any one type may indicate an inability to establish credit. It may also make it difficult to gauge credit worthiness and your ability to manage debt. An additional account of this type may help increas e your score. However, taking on more debt than you can handle will almost alway s negatively impact your score to a greater degree than not having enough accoun ts. The oldest bank revolving account, CHASE BANK USA, NA has been open for a period of 116 month(s). This type of account is typically accessed via a credit card. There is a credit limit, the balance can be carried over from month to month, and the minimum mont hly payment is calculated on a percentage of the unpaid balance. Lenders like to see all accounts reflect a good payment history over time. Recently opened acco unts can indicate an increase in available credit and other changes to your over all credit picture. Lenders typically like to see how you handle your available credit and recently opened accounts may make it difficult to gauge credit worthi ness and your ability to manage debt. The time frames for considering an account recent are typically short (6-12 months). If you pay your bills on time for the se and all other accounts, their negative impact on your score should be quickly reduced. Confidential Credit Smart Score (Smart Score) is provided solely as a tool to as sist you in better understanding how lenders evaluate your credit reports. The s core is for educational purposes only, and does not qualify you for any loan. Yo ur lender may use a scoring model that differs from the one used by Smart Score. As a result, your Smart Score and the factors we have identified as contributin g to your Smart Score may vary from the score produced by your lender's scoring model and the score factors identified by that model. In addition, a credit scor e is only one of many factors used by a lender in underwriting loans, and such o ther factors may affect a lender's credit decision. Each lender has its own unde rwriting criteria, and the weight given to a particular credit score by lenders may differ. The explanatory materials accompanying your Smart Score are not intended to be a "quick fix" for improving your credit score. Since under most scoring models, i n order to improve your credit score, you must concentrate on paying your bills on time, paying down outstanding balances, maintaining the proper amount and mix of debt, and developing a consistent track-record of being able to handle your accounts over a significant period of time, it is likely to take some time to me aningfully improve your credit score. Moreover, the operation of the factors use d credit scores is complex, and a change intended to improve a specific factor m ay backfire and result in an overall decline the score. For example, while openi

ng new accounts may improve a person's debt mix, it may also lower the average a ccount age and increase the amount of debt owed resulting in an overall lower cr edit score. The explanatory materials are general in nature, and should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble paying your bills, you should contact a non-profit or other legitimate credit counselor. Rather, the explanatory materials have been provide d solely to help you understand how specific features in your credit report are reflected in your Smart Score. Therefore, you should use the materials for educa tional purposes only.

Your credit score is based on information from your 1-bureau (TransUnion) credit report. The higher your score is, the better chance you have of getting the cre dit you apply for. Your credit score based on your TransUnion report is 719 on a scale of 352-848 .

Your Score

Your credit report contains 0 mortgage(s). These accounts are loans to finance the purchase of real estate, usually with sp ecified payment periods and interest rates. Lenders like to see a good mix of ac count types and loans on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that y ou have managed it with care. A low number of accounts in any one type may indic ate an inability to establish credit. It may also make it difficult to gauge cre dit worthiness and your ability to manage debt. An additional account of this ty pe may help increase your score. However, taking on more debt than you can handl e will almost always negatively impact your score to a greater degree than not h aving enough accounts. Your credit report contains 0 revolving account(s) from banks. These are revolving accounts issued by banks. You can access anything up to the credit limit at anytime and pay it back over time. These are typically credit ca rds or lines of credit. Lenders like to see a good mix of account types and loan s on a credit report with all accounts showing good payment history. They want t o see that other lenders have extended you credit and that you have managed it w ith care. A low number of accounts in any one type may indicate an inability to establish credit. It may also make it difficult to gauge credit worthiness and y our ability to manage debt. An additional account of this type may help increase your score. However, taking on more debt than you can handle will almost always negatively impact your score to a greater degree than not having enough account s. Your credit report contains 3 retail account(s). These are revolving accounts issued by retail stores (e.g. clothing, electronics , and sporting goods stores that offer a charge card). They are typically access ed via a credit card. There is a credit limit, the balance can be carried over f rom month to month, and the minimum monthly payment is calculated on a percentag e of the unpaid balance. Lenders like to see a good mix of account types and loa ns on a credit report with all accounts showing good payment history. They want to see that other lenders have extended you credit and that you have managed it with care. A low number of accounts in any one type may indicate an inability to

establish credit. It may also make it difficult to gauge credit worthiness and your ability to manage debt. An additional account of this type may help increas e your score. However, taking on more debt than you can handle will almost alway s negatively impact your score to a greater degree than not having enough accoun ts. The oldest bank revolving account, CHASE has been open for a period of 116 month (s). This type of account is typically accessed via a credit card. There is a credit limit, the balance can be carried over from month to month, and the minimum mont hly payment is calculated on a percentage of the unpaid balance. Lenders like to see all accounts reflect a good payment history over time. Recently opened acco unts can indicate an increase in available credit and other changes to your over all credit picture. Lenders typically like to see how you handle your available credit and recently opened accounts may make it difficult to gauge credit worthi ness and your ability to manage debt. The time frames for considering an account recent are typically short (6-12 months). If you pay your bills on time for the se and all other accounts, their negative impact on your score should be quickly reduced. Your credit report reflects 1 account(s) with balances that are considered activ e. Lenders like to see a good mix of account types and loans on a credit report wit h all accounts showing good payment history. They want to see that other lenders have extended you credit and that you have managed it with care. A high number of accounts in any one type may indicate that your credit report does not reflec t a balanced mix of accounts. Too many accounts may also indicate too much avail able credit. Paying down and closing accounts or consolidating your accounts may help improve your score. Confidential Credit Smart Score (Smart Score) is provided solely as a tool to as sist you in better understanding how lenders evaluate your credit reports. The s core is for educational purposes only, and does not qualify you for any loan. Yo ur lender may use a scoring model that differs from the one used by Smart Score. As a result, your Smart Score and the factors we have identified as contributin g to your Smart Score may vary from the score produced by your lender's scoring model and the score factors identified by that model. In addition, a credit scor e is only one of many factors used by a lender in underwriting loans, and such o ther factors may affect a lender's credit decision. Each lender has its own unde rwriting criteria, and the weight given to a particular credit score by lenders may differ. The explanatory materials accompanying your Smart Score are not intended to be a "quick fix" for improving your credit score. Since under most scoring models, i n order to improve your credit score, you must concentrate on paying your bills on time, paying down outstanding balances, maintaining the proper amount and mix of debt, and developing a consistent track-record of being able to handle your accounts over a significant period of time, it is likely to take some time to me aningfully improve your credit score. Moreover, the operation of the factors use d credit scores is complex, and a change intended to improve a specific factor m ay backfire and result in an overall decline the score. For example, while openi ng new accounts may improve a person's debt mix, it may also lower the average a ccount age and increase the amount of debt owed resulting in an overall lower cr edit score. The explanatory materials are general in nature, and should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble paying your bills, you should contact a non-profit or other legitimate credit counselor. Rather, the explanatory materials have been provide d solely to help you understand how specific features in your credit report are reflected in your Smart Score. Therefore, you should use the materials for educa tional purposes only.

Вам также может понравиться