- Amount owing on accounts

- Amount owing on specific types of accounts

- Lack of a specific type of balance, in some cases

- Number of accounts with balances

- Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)

- Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)

Source:http://www.credit-factor.com