Credit information

Pay all of your bills on time, all of the time
Have not made a late payment on your mortgage in the past two years (if applicable)
Have had no late payments on your credit cards, auto or consumer loans in the past year
Have had one or no late payments reported to a credit bureau in the past seven years
Do not have a large dollar amount of unsecured credit lines open
Have not been reported to a collection agency in the past ten years
Have had no bankruptcies, liens or judgments within the past seven years

Usually pay all of your bills on time
Have had no late payments on your mortgage in the past year (if applicable)
Have had fewer than three late payments reported to a credit bureau in the past seven years
Have not been reported to a collection agency in the past ten years
Have had no bankruptcies, liens or judgments within the past seven years

Have had one or two credit problems
Have had no more than one late payment on your mortgage in the past year (if applicable)
Have had less than three late payments on credit cards, auto or personal loans in the past year
Have a history of late payments that are consistently sixty days or more over due
Have had no bankruptcies, liens or judgments within the past three years

Are over 18 years of age with no credit history OR you have a history of late payments
Have had a few late payments on your mortgage in the past year (if applicable)
Have had more than three late payments on credit cards, auto or personal loans in the past year
You have had a bankruptcy, foreclosure or lien within past three years