Credit scores are comprised of five factors.  Points are awarded for each component, and
a high score is most favorable.  The factors are listed below in order of importance.

FIVE FACTORS OF CREDIT SCORING
1.  PAYMENT HISTORY - 35% IMPACT
2.  OUTSTANDING CREDIT BALANCES - 30% IMPACT
3.  CREDIT HISTORY - 15% IMPACT
4.  TYPE OF CREDIT - 10% IMPACT
5.  INQUIRIES - 10% IMPACT

CONTACT RIANN TODAY IF YOU HAVE ANY QUESTIONS ON:
  1. Refinancing     
  2. Purchases    
  3. Investments
  4. Real Estate     
  5. Home Equity
650-892-4751
riann_atlashomeloans
@yahoo.com
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TJ Frias &
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welcome to
ATLAS FINANCIAL
Atlas Financial April FYI
Riann Aningalan-Tavu
Production Manager, ATLAS HOME LOANS
Direct        650-892-4751     
Office        530-666-2221     
Fax           530-661-0298