- Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.)

- Presence of adverse public records (bankruptcy, judgements, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items)

- Severity of delinquency (how long past due)

- Amount past due on delinquent accounts or collection items

- Time since (recency of) past due items (delinquency), adverse public records (if any), or collection items (if any)

- Number of past due items on file

- Number of accounts paid as agreed

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