This is a comprehensive list of the information considered by Fair, Isaac scoring models in calculating a FICO score at one of the major credit reporting agencies. 1) Past payment history

• 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 (recency of) 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

2) Amount of credit owing

• 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 of installment loans)

3) Length of time credit established

• Time since accounts opened

• Time since accounts opened, by specific type of account

-Time since account activity

4) Search for and acquisition of new credit

• 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

5) Types of credit established

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