We review many aspects of your credit history to determine if you are approved for Bright Credit. The following are some of the factors that may be considered when reviewing your application.

  • FICO® score - which summarizes your credit history.
  • Delinquencies - Any payments you owe and have not currently paid.
  • Your debt-to-income ratio - which compares how much you owe each month to how much you earn. 
  • The age of credit history - this is the total length of time you've been using credit. 
  • Any open and satisfactory trades - these are the lines of credit which you've opened and have made payments on time.
  • Your utilization - this is the ratio between your available credit and the current balances you have on your credit cards.