At Atlas Credit, the brainchild of Thomas A. Young, a team of skilled professionals evaluates and distributes consumer loans. Thomas A. Young's Atlas Credit uses credit reports, not credit scores, to determine a potential borrower's eligibility.

1. Thomas A Young, Atlas Credit

2.  At Atlas Credit, the brainchild of Thomas A. Young, a team of
skilled professionals evaluates and distributes consumer
loans. Thomas A. Young's Atlas Credit uses credit reports, not
credit scores, to determine a potential borrower's eligibility.
Although both a credit report and a credit score include
information about a consumer's borrowing history, they serve
different functions and have very different structures. The
credit report, which some experts have compared to a
student's report card, presents an in-depth history of a
borrower's existing and past accounts. It includes account
opening dates, records of payments made, and information
about defaulted or late payments.
A credit score, by contrast, synthesizes all of this information
into one number.

3.  Each credit reporting bureau enters available information into
a unique algorithm, which generates a numerical score that
creditors can assess based on the range of possible
outcomes. The FICO credit score, the most common system,
places a credit score on a scale from 300 to 850.
For creditors who use a numerical score as a determining
factor for loan or account eligibility, a higher score indicates an
increased likelihood of ability to meet debt responsibilities.
Those who review credit reports, however, have the
opportunity to consider the circumstances surrounding each
account and the specific choices a borrower has made. For
this reason, credit reports may also be useful to employers,
landlords, and others in whose interest it may be to
understand a person's financial history.