CREDIT BUREAU RISK SCORE REASONS

                                                        Equifax        TransUnion  Experian
                                                        FACTA        Empirica      Fair Isaac
                                                      Beacon 5.0   98                 Ver 02

Amount owed on accounts is too high 01     01     01
Level of delinquency on accounts       02     02     02
Too few bank revolving accounts        03     N/A   03
Too many bank or national revolving accounts 04N/A04
Too many accounts with balances                0505  05
Too many consumer finance company accoun0606  06
Account payment history is too new to rate   0707  07
Too many recent inquiries last 12 months      0808  08
Too many accounts recently opened             0909  09
Proportion of balances to credit limits is too high on bank revolving  101010
or other revolving accts
Amount owed on revolving accounts is too high      1111  11
Length of time revolving accounts have been established 121212
Time since delinquency is too recent or unknown   1313  13
Length of time accounts have been established      1414  14
Lack of recent bank revolving information       1515  15
Lack of recent revolving account information   1616  16
No recent non-mortgage balance information   1717  17
Number of accounts with delinquency           1818  18
Date of last inquiry too recent                     N/A19 N/A
Too few accounts currently paid as agreed    1927  19
Length of time since derogatory public record or collection is too short 202020
Amount past due on accounts                                                 21 2121
Serious delinquency, derogatory public record or collection filed 22 2222
Number of bank or national revolving accounts with balances     23N/A       23
No recent revolving balances 24 24 24
Number of revolving accounts 26N/A26
Number of established accounts    28 28 28
No recent bankcard balances       N/A29 29
Time since most recent account opening too short        3030  30
Too few accounts with recent payment information 31N/A31
Lack of recent installment loan information           32 4   32
Proportion of loan balances to loan amounts is too high 33 3   33
Amount owed on delinquent accounts 343134
Serious delinquency and public record or collection filed 3838 38
Serious delinquency 393939
Derogatory public record or collection filed 404040


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