Applicant Credit Bureau 12month Line of Credit Fin Trades

This is the number of Line of Credit finance trades that have been opened in the last 12 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.

Applicant Credit Bureau 24month Line of Credit Fin Trades

This is the number of Line of Credit finance trades that have been opened in the last 24 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.

Applicant Credit Bureau 6month Line of Credit Fin Trades

This is the number of Line of Credit finance trades that have been opened in the last 6 months. Note that these trades may now be open or closed, paid as agreed, delinquent, or derogatory, and so on.

Applicant Credit Bureau Current Line of Credit Fin Trades

Total number of Line of Credit finance trades that are paid on time right now. These trades may or may not have been delinquent in the past.

Applicant Credit Bureau Line of Credit Fin Trades

This is the number of Line of Credit finance trades, both open and closed. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.

Applicant Credit Bureau Line of Credit Finance Inquiries

This is the number of Line of Credit finance inquires listed on the credit report. The bureaus have their own limits as to how long they keep an inquiry on the credit report, but this parameter will show whatever total is shown for that bureau.

Applicant Credit Bureau Open Line of Credit Finance Trades

This is the number of open Line of Credit finance trades on the account. Note that these trades may be paid as agreed, delinquent, derogatory, and so on. The parameter makes no distinction.

Applicant Credit Bureau Satisfactory Line of Credit Fin

Total number of Line of Credit finance trades paid as agreed (no delinquencies) for the entire life of the trade. This could be a few months or several years- the parameter makes no distinction.

Applicant Credit Bureau Worst Line of Credit Fin Trade

The rating code used for this parameter is the same rating code system displayed for the tradelines. The different bureaus use different systems so Oracle Financial Services Lending and Leasing changes them to a common format that is used in the scoring:

1 = current

2 = 30-59 days late

3 = 60-89 days late

4 = 90-119 days late

5 = 120-149 days late

6 = 150- days late

7 = involved in a bankruptcy

8 = repossession, foreclosure

9 = charge-off