First United Consulting

• Identifying information such as name, address, date of birth, and names of employers which is usually retrieved from credit application forms;

Credit Report
• Trade lines, all of your credit cards and other accounts; the date of opening the accounts, your credit limits, high balances, current balances, payment history, etc.;

• Credit Inquiries -voluntary and involuntary inquires including account review inquiries (from your current lenders), hard inquiries (for new loan or credit applications) and promotional inquiries (for solicitation offers);

• Public Records (bankruptcies, foreclosures, wage garnishments, liens and judgments);

• Collection accounts.

Although this information may appear on your credit report,
it is not taken into consideration while calculating your credit score:
• Age;

• Race, color, religion, nationality, sex or marital status;

• Occupation, salary, employer, length of employment;

• Home address;

• Interest rates associated with credit cards and other accounts;

• Child support items and rental history;

• Certain types of inquiries (consumer initiated inquiries or promotional inquiries).

• Payment History (35% of your score)

• Current payment records associated with auto loans, mortgages, retail accounts, installment loans, credit cards, etc. on paid as agreed accounts;

• Public records (bankruptcies, foreclosures, wage garnishments, liens and judgments);

• Severity of delinquency (length of time past due);

• Amount past due on accounts or collections;

• Recency of delinquency or public records or collections;

• Number of past due or derogatory accounts.