Bureau Credit Scoring Models

 

Experian Credit Bureau Reported Scores

National Risk Score  Range:  0-1000

The higher the score, the higher the probability that at least one tradeline will become seriously delinquent in the next 24 months.

For example, a score of 100 equals a 10% chance of delinquency in the next 2 years.
 

 

FICO Score  Range:  300-850

This is a credit score developed by Fair Isaac & Co. and is a method of determining the likelihood that credit users will pay their bills.

A higher score represents a better credit risk.
 

Equifax Credit Bureau Reported Scores

Delinquency Alert System (DAS Score)  Range:  0-1200

The higher the score, the higher the potential for bankruptcy to be filed within the next 12 months.

If the applicant does not have enough credit history, no score can be determined or given.

 

 

Beacon (Equifax FICO) Score  Range:  300-850

This is a credit score developed by Fair Isaac & Co. and is a method of determining the likelihood that credit users will pay their bills.

A higher score represents a better credit risk.

 

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