This may be a stupid question, but here goes...Are the "key factors that adversely affected your credit score" listed as numeric factors like 33, 5, 12, 14 or reasons like proportion of loan balances to loan amounts is too high, too many accounts with balances, etc.? This is in regards to the proposed rules and new model language for AAN effective July 21. Thanks.

I was under the impression they were reasons. At least based on the C-2 sample document I was reviewed:
http://edocket.access.gpo.gov/2011/pdf/2011-5417.pdf