The most important factors considered in credit evaluation are those that relate to an individual's history of repaying loans and any evidence of non- credit-related collections or money-related public actions. Credit evaluators consider whether an indi- vidual has a history of repaying balances on credit accounts in a timely fashion. The analysis takes into account not only the frequency of any repayment problems but also their severity (lateness), date of occurrence (newness), and dollar magnitude. Eval- uators assess repayment performance on the full range of accounts that an individual holds, dis- tinguishing accounts by type (such as revolving, installment, or mortgage) and by source (such as banking institution, finance company, or retailer). In general, an individual with serious deficien- cies in repayment performance, such as a credit account that is currently delinquent, will find quali- fying for new credit difficult, may face higher inter- est rates for the credit received, or may be lim- ited in further borrowing on existing revolving accounts.