Page 5 - 3D Application - A.Israel, J.Fiacco, W.Field

Rental Report for Andrew W. Israel, 7/15/2020 at Pixel
From Equifax
Risk Model Name Score Score Factors
FICO (Beacon) 734 Too few accounts currently paid as agreed
(Applicant) Length of time accounts have been
established
Amount owed on revolving accounts is too
high
Lack of recent installment loan information
Description
The FICO score is a widely used risk model that uses credit report data to predict the likelihood
of default. It is used most often by banks and credit grantors. The FICO score range is between
300 and 850 (the higher the score, the less risky the consumer). In the most recent study, the
median FICO score was 711.
From Experian
Risk Model Name Score Score Factors
FICO (Experian) 750 Length of time accounts have been
(Applicant) established
Proportion of balance to high credit on bank
revolving or all revolving accounts
Current balances on accounts
Too few accounts rated "current"
Description
The FICO score is a widely used risk model that uses credit report data to predict the likelihood
of default. It is used most often by banks and credit grantors. The FICO score range is between
300 and 850 (the higher the score, the less risky the consumer). In the most recent study, the
median FICO score was 711.

Credit Accounts
From Equifax
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
JPMCB - CARD 12/2018 6/2020 $621.00
SERVICE Monthly High Credit Type Comments
(Applicant) Payment
$35.00 $2,318.00 REVOLVING
Rate/Status 1: Pays account as agreed
Payment History
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7/ 5/ 3/ 1/ 11/ 9/ 7/ 5/ 3/ 1/
20 20 20 20 19 19 19 19 19 19
From Experian
Account Name Opened Last Active 30-59 60-89 90+ Past Due Balance
JPMCB CARD 12/2018 7/2020 0 0 0 $0.00 $621.00
(Applicant) Monthly High Credit Type Comments
JPMCB CARD Payment
PO BOX 15369, $35.00 $2,318.00 REVOLVING CREDIT CARD
WILMINGTON, DE THIS IS AN ACCOUNT IN GOOD STANDING
19850
(800) 945-2000 Rate/Status 11: This is an account in good standing
Payment History
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7/ 5/ 3/ 1/ 11/ 9/ 7/ 5/ 3/
20 20 20 20 19 19 19 19 19

Previous Credit Inquiries
From Equifax
4/2019 ON-SITE MANAGER (Applicant)
11/2018 JPMCB - CARD SERVICE (Applicant)
From Experian
11/2018 JPMCB CARD (Applicant)

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