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On the bureau minimum of 5 years. Demonstrated paid as agreed on several installment loans. (ex:mortgage, auto). No slow pays, charge offs or collection items. Credit card balances are no more than 30% of credit limit.

On the bureau minimum of 3 years. Demonstrated paid as agreed on several installment loans. Slow pays are at least 12 months old. No charge offs or collection items. Credit card balances are no more than 60% of credit limit.

On the bureau minimum of 2 years. Demonstrated paid as agreed on at least one (1) installment loan of at least $5000.00 Has bought at least one automobile. Slow pays, charge offs and/or collection items at least 12 months old Have some credit card balances and demonstrated paid as agreed. No more than 1 Bankruptcy, repo, or foreclosure and is at least 12 months old.

On the bureau minimum of 2 years. Has installment loans but with very poor payment history. Bankruptcy, report, or foreclosure last than 12 months old and possible muliple as well. Credit card balances are max out with very poor payment history. Several slow pays, charge offs and/or collection items less than 12 months old.