Information Reviewed

Minimum Criteria

Possible Exceptions

CBR Scores

Any one of the major CBR's above 625 (delinquincy indicator-Fair Issacs or Beacon).

Lessees with prior Lease history.

CBR Review

No recent lateness, no prior history of bankruptcy.

Minor delinquicies

Credit Card Balances

Must be below $40,000

When high debt caused by loan or is offset by high bank balances.  Some exceptions made for $40,000 to $50,000 in Rev Debt.

Suits/Liens/Judgments

No open SLJ's above $500.

Medical and cellular disputes

Unpaid Collection Accts

No open collection accounts above $500.

Medical and cellular disputes

Inquiries

No more than 5 inquiries in the last 3 months.

If caused by competition.  Financials Statements offered

CBR Breadth

8 lines of data with a file age of 5+ years old.

5-8 with loan history

Bank Information

Low 4 up to $35,000, Med 4 up to $50,000, High 4 up to $75,000

None

D&B Report

Paydex above 64 with no open SLJ's

Paydex of 55-64 with no other credit problems

General

2 years in business up to $25,000, 3 years up to $50,000, 4 years up to $60,000, 5 years up to $75,000

Financial statements, loan or lease reference