•   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, judgments, 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 (most recent) 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

 

•   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

•   Time since accounts opened

•   Time since accounts opened, by specific type of account

•   Time since account activity

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

•   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