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Most lenders would agree that this profile
represents a high level of risk. First, one of the bank cards
was delinquent the last time it was reported. Although the
delinquency is minor -- only a 30-day rating -- it points
to potential risk, given that the file history is quite short.
The ratio of balances to high credit is also indicative of
significant risk. The balances are quite large relative to
their high credit amounts and the amount of time the accounts
have been open. Also telling is the fact that all trade lines
have balances. This profile, along with the short file history,
strongly contributes to the high-risk ranking.
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