Credit Category |
Personal Credit Characteristics |
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This individual has an exceptional and lengthy credit history with no adverse trade experiences, such as slow payments. This individual generally has numerous trade accounts in good standing, including mortgages, installment loans, and credit cards. A typical “FICO” score assigned by credit reporting agencies will range from 725 to 800+. |
B |
This individual has a respectable credit history, but may have had a limited number of adverse trade experiences, such as slow payments. This individual generally has numerous trade accounts, most of which have been kept current on a consistent basis. This individual has not been the subject of repossessions, bankruptcy, or severe delinquencies of 90 days or greater. A typical “FICO” score assigned by credit reporting agencies will range from 650 to 725. |
C |
This individual has a mixed credit history including both positive and negative experiences. Examples of negative experiences could include numerous delinquencies and accounts in collection status. This individual has demonstrated some capability of maintaining accounts in good standing, as well. A typical “FICO” score assigned by credit reporting agencies will range from 600 to 650. |
D |
This individual has a poor credit history with numerous negative experiences, such as slow payments, severe delinquencies of 90 days or greater, and accounts in collection status. This individual may have been subject to creditor actions such as bankruptcy, repossession, or foreclosure, A typical “FICO” score assigned by credit reporting agencies will range from 600 to 560. |
E
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This individual has a very poor credit history with mostly negative experiences - slow payments dominate, delinquencies of 90 or greater, and several accounts in collection status. Typically, this individual has bankruptcy, repossessions, foreclosure, and liens involved in history. This "FICO" score assigned by credit reporting agencies will be 560 and below.
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