Credit Profiles



Credit Profile Levels

Excellent - Credit Profile:

Has established substantial credit history with existing or past credit cards, auto loans, or mortgage. Across the board, pays bills on time every time. Maximum of one late payment reported to a credit bureau within the last 7 years, but none during the past 12 months. Has never had a late payment reported to a credit bureau for a mortgage. Does not have an exceptionally large dollar amount of unsecured open credit available. Has not been reported to a collection agency within the last 10 years.


Good - Credit Profile:

Has some credit history with existing credit cards, auto loans, or mortgage. Usually pays bills on time but has had a little bit of trouble making payments on occasion. Two or three late payments reported to a credit bureau within the last 7 years, but none during the past 12 months. No bankruptcies, liens or judgments within the last 7 to 10 years. Has not been reported to a collection agency within the last 10 years.

Fair - Credit Profile:

Over 18 years old with a history of a few outstanding delinquencies OR history of late payments consistently 60 days or less over due.

Needs Improvement - Credit Profile:

Over 18 years old with a history of few outstanding delinquencies OR history of late payments consistently 60 days or more over due.

Poor - Credit Profile:

Over 18 years old with no credit history OR a history of bankruptcies/liens/or judgments against credit within the last 10 years OR has been reported to a collection agency within the last 10 years.


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