|
Credit Grading
|
AAA
|
AA
|
A-
|
BBB
|
B
|
C
|
|
Defaults (Paid or Unpaid)
|
0
|
1<$5k
|
3<$15k
|
4<$25k
|
5<$50k
|
Unlimited
|
|
Mortgage Arrears
|
0
|
0
|
1 month
|
2 months
|
3<payments
|
Unlimited
|
|
Other Arrears
|
1 month paid within 7 days
|
1 month
|
1 month
|
2 months
|
2 or $50k
|
Unlimited
|
|
Bankruptcy
|
None
|
None
|
>12 months
|
>12 months
|
>12 months
|
>6 months
|
|
Credit Enquiries
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
|
Telco / Utility Defaults Ignored
|
2<$1k aggregate
|
2<$1k aggregate
|
2<$1k aggregate
|
2<$1k aggregate
|
5<$50k aggregate
|
Unlimited
|
|
Defaults paid > 2 years <$5k ignored
|
None
|
Yes
|
Yes
|
Yes
|
No
|
Unlimited
|
|
Cash Out
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
|
Minimum ABN Registration
|
12 months
|
12 months
|
6 months
|
6 months
|
6 months
|
12 months
|