| Characteristics |
Attributes
with Hypothetical Weights |
Credit History of Principal(s)
Data:
Consumer Credit Report |
Major Derog (bankruptcy,
collections)
-40 pts. |
Minor Derog (minor
delinquencies)
-10 pts. |
Satisfactory
15 pts. |
No Record
0 pts. |
| Unused Credit
Data: Consumer Credit Report |
>75% of Available
40 pts |
74%-33% of Available
30 pts |
<33% of Available
20 pts |
No Record
0 pts |
Credit History of Business
Data:
Business
Credit Report |
Major Derog
-40 pts |
Minor Derog
-10 pts |
Satisfactory
15 pts |
No Record
0 pts |
Industry Type
Data: Federal
SIC Code |
Group A (manufacturing,
with hard assets)
50 pts |
Group B
40 pts |
Group C
35 pts |
Group D (high risk,
e.g. restaurant)
20 pts |
Available Liquid Assets
of Business
(e.g. bank balances)
Data: Loan Application |
<$6K
15 pts |
$6-$19K
20 pts |
$20-$49K
40 pts |
$50K & up
45 pts |
| Net Worth of Principal(s)
Data: Loan Application |
<$50K
10 pts |
$50-$100K
20 pts |
$100-$250K
30 pts |
$250K & up
40 pts |
