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4/9/2014 Scorecard
http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 1/12
Quality 74
Categories
94 1  issue
79 4  issues
100 0  issues
24 48  issues
Voice
81
48
73
Document  Information index.html
• Kath  Straub
• Wed  Apr  09  09:51:47  EDT  2014
• Plain_English
•   1131  words  /  173  sentences
•   6.5  words  is  the  average  sentence  length
•   0  issues  found  in  read-­only  sections
Administrative  Information
Checking  Information
Scorecard index.html
SEO
Terminology
Spelling
Grammar
Style
Reuse
Readability
Informality
Liveliness
1
Terminology 1  issue
Deprecated
Admitted
1
4
0
48
Scorecard
SEO
Terminology
Spelling
Grammar
Style
Reuse
Readability
Informality
Liveliness
Term Term  Set Suggestion Context
such
(1  occurrence)
Plain_English Look  for  red  flags,  such  as:
4/9/2014 Scorecard
http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 2/12
21Valid
Term Term  Set Suggestion Context
You  did  not  choose  the  option  to  check  for  admitted  terms.
Term Term  Set Context
opportunity
(1  occurrence)
Plain_English American  consumers  should  have  the
opportunity  to  use  credit  to  build  a  better  future
for  themselves  and  their  loved  ones.
opportunities
(1  occurrence)
Plain_English Credit  discrimination  prevents  people  from  having
access  to  these  opportunities,  and  can  make
credit  more  expensive.
Opportunity
(3  occurences)
Plain_English The  Equal  Credit  Opportunity  Act  makes  it  illegal
for  a  creditor  to  discriminate  in  any  aspect  of  credit
transaction  based  on  certain  characteristics.
practices
(1  occurrence)
Plain_English In  addition,  the  Fair  Housing  Act  makes  many
discrimination  practices  in  home  financing  illegal.
Opportunity
(3  occurences)
Plain_English The  Office  of  Fair  Lending  and  Equal  Opportunity
communications
(1  occurrence)
Plain_English Walking  away  and  continuing  the  discussion  later,
if  you  so  choose,  is  a  good  way  to  control
communications  with  the  lender.
Information
(2  occurences)
Plain_English Additional  Information.
Information
(2  occurences)
Plain_English Additional  Information.
information
(2  occurences)
Plain_English Below  you  will  find  links  to  additional  information
about  your  fair  lending  rights:
information
(2  occurences)
Plain_English Below  you  will  find  links  to  additional  information
about  your  fair  lending  rights:
information
(2  occurences)
Plain_English For  more  information  on  credit  discrimination,
download  our  brochure.
information
(2  occurences)
Plain_English For  more  information  on  credit  discrimination,
download  our  brochure.
Department
(2  occurences)
Plain_English Department  of  Housing  and  Urban  Development:
Development
(1  occurrence)
Plain_English Department  of  Housing  and  Urban  Development:
4/9/2014 Scorecard
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New
Spelling 4  issues
Issue Suggestion Context
fairer
(2  occurences)
airer,
pairer,
Pairer
You  can  help  us  protect  consumers  and  create  a
fairer  marketplace  even  if  you  don’t  want  to  file  a
complaint.
fairer
(2  occurences)
airer,
pairer,
Pairer
Help  inform  how  we  protect  consumers  &  create  a
fairer  marketplace.
nuestro
(1  occurrence)
Visite  nuestro  sitio  web  en  español
sitio
(1  occurrence)
Visite  nuestro  sitio  web  en  español
Order  by:  Rule  |  OccurrenceGrammar 0  issues
Opportunity
(3  occurences)
Plain_English More  about  the  Equal  Credit  Opportunity  Act  (y
en  español).
Department
(2  occurences)
Plain_English Department  of  Justice:
Information
(2  occurences)
Plain_English Information  for:
Information
(2  occurences)
Plain_English Information  for:
calendar
(1  occurrence)
Plain_English Leadership  calendar
Administrative
(1  occurrence)
Plain_English Administrative  adjudication
adjudication
(1  occurrence)
Plain_English Administrative  adjudication
Term Context
You  did  not  choose  the  option  to  check  for  new  terms.
4/9/2014 Scorecard
http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 4/12
Issue Suggestion
Order  by:  Rule  |  OccurrenceStyle 48  issues
Issue Suggestion
complex  or  long  word
What  protections  do  I  have  against  credit
discrimination?
avoid  noun  cluster
>  Consumer  Financial  Protection  Bureau
complex  or  long  word
What  protections  do  I  have  against  credit
discrimination?
complex  or  long  word
What  protections  do  I  have  against  credit
discrimination?
avoid  modal  verbs
American  consumers  should  have  the  opportunity  to
use  credit  to  build  a  better  future  for  themselves  and
their  loved  ones.
complex  or  long  word
Credit  discrimination  prevents  people  from  having
access  to  these  opportunities,  and  can  make  credit
more  expensive.
complex  or  long  word
What  is  credit  discrimination?
complex  or  long  word
The  Equal  Credit  Opportunity  Act  makes  it  illegal  for
a  creditor  to  discriminate  in  any  aspect  of  credit
transaction  based  on  certain  characteristics.
complex  or  long  word
4/9/2014 Scorecard
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The  Equal  Credit  Opportunity  Act  makes  it  illegal  for
a  creditor  to  discriminate  in  any  aspect  of  credit
transaction  based  on  certain  characteristics.
complex  or  long  word
In  addition,  the  Fair  Housing  Act  makes  many
discrimination  practices  in  home  financing  illegal.
complex  or  long  word
What  is  credit  discrimination?
complex  or  long  word
How  I  can  protect  myself  from  credit  discrimination
complex  or  long  word
Offer  you  credit  on  terms  that  are  less  favorable,  like
a  higher  interest  rate,  than  terms  offered  to  someone
with  similar  qualifications
simplify  word
On  the  basis  of: From:  Based  on:  By:
complex  or  long  word
How  can  I  protect  myself  from  credit  discrimination?
complex  or  long  word
Credit  discrimination  is  often  hidden  or  even
unintentional,  which  makes  it  hard  to  spot.
complex  or  long  word
Credit  discrimination  is  often  hidden  or  even
unintentional,  which  makes  it  hard  to  spot.
use  bulleted  list
You  hear  the  lender  make  negative  comments
about  race,  national  origin,  sex,  or  other  protected
groups.
avoid  complex  sentences
You  are  denied  credit,  but  not  given  a  reason  why  or
told  how  to  find  out  why.
4/9/2014 Scorecard
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use  complementizer
If  you  believe  a  lender  has  discriminated  against
you  for  any  reason,  you  can  file  a  complaint.
If  you  believe  that  a  lender
has  discriminated  against
you  for  any  reason,  you  can
file  a  complaint.
complex  or  long  word
If  you  believe  a  lender  has  discriminated  against
you  for  any  reason,  you  can  file  a  complaint.
Sentence  too  long:  30  words
Learn  more  about  what  factors  lenders  can  consider
in  deciding  whether  to  lend  money  and  deciding  what
features  to  offer,  like  the  interest  rate  or  the  term  of  the
loan.
avoid  complex  sentences
Learn  more  about  what  factors  lenders  can  consider
in  deciding  whether  to  lend  money  and  deciding
what  features  to  offer,  like  the  interest  rate  or  the  term
of  the  loan.
avoid  hidden  verbs
Creditors  will  make  decisions  based  on  your  credit
history.
use  complementizer
Be  sure  there  are  no  mistakes  or  missing  items  in
your  credit  reports.
Be  sure  that  there  are  no
mistakes  or  missing  items  in
your  credit  reports.
use  complementizer
Be  sure  you  understand  the  rates  and  fees  you  will
pay  over  the  long  run.
Be  sure  that  you
understand  the  rates  and
fees  you  will  pay  over  the
long  run.
Sentence  too  long:  29  words
Ask  whether  the  rates  and  fees  quoted  to  you  by  your
lender  are  set,  or  if  there  are  any  circumstances  in
which  the  quoted  rates  and  fees  could  change.
avoid  complex  sentences
Ask  whether  the  rates  and  fees  quoted  to  you  by
4/9/2014 Scorecard
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your  lender  are  set,  or  if  there  are  any  circumstances
in  which  the  quoted  rates  and  fees  could  change.
complex  or  long  word
Ask  whether  the  rates  and  fees  quoted  to  you  by  your
lender  are  set,  or  if  there  are  any  circumstances  in
which  the  quoted  rates  and  fees  could  change.
use  "this/that/these/those"  with  noun
If  a  creditor  does  not  want  to  answer  your  questions,
this  could  be  a  bad  sign.
avoid  modal  verbs
Your  lender  shouldn’t  make  you  feel  rushed,  or
unnecessarily  delay  action  on  your  application.
complex  or  long  word
Your  lender  shouldn’t  make  you  feel  rushed,  or
unnecessarily  delay  action  on  your  application.
avoid  modal  verbs
Remember,  the  product  that  works  for  you  today  may
not  work  for  you  down  the  road.
avoid  needless  word
To  learn  more  about  the  Office  of  Fair  Lending  and
CFPB’s  fair  lending  efforts,  please  read  our  recent
report  to  Congress  or  our  recent  blog  posts.
complex  or  long  word
Within  the  consumer  bureau,  the  Office  of  Fair
Lending  works  to  ensure  fair,  equitable,  and
nondiscriminatory  access  to  credit  for  both
individuals  and  communities  through:
avoid  noun  cluster
Enforcement  and  oversight  of  Federal  fair  lending
laws;;  and
avoid  complex  coordination
Promotion  of  fair  lending  compliance  and  education
among  industry,  fair  lending,  civil  rights,  and
consumer  and  community  advocates.
4/9/2014 Scorecard
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use  bulleted  list
Promotion  of  fair  lending  compliance  and  education
among  industry,  fair  lending,  civil  rights,  and
consumer  and  community  advocates.
avoid  noun  cluster
Assistant  Director  Patrice  Alexander  Ficklin  leads
the  Office  of  Fair  Lending.
avoid  noun  cluster
Consumer  Financial  Protection  Bureau:
complex  or  long  word
For  more  information  on  credit  discrimination,
download  our  brochure.
complex  or  long  word
Helpful  tools  to  protect  yourself  from  discrimination
(y  en  español).
complex  or  long  word
Housing  and  Civil  Enforcement  Section,  which  also
enforces  antidiscrimination  laws.
complex  or  long  word
Protections  against  credit  discrimination
avoid  noun  cluster
Home  Mortgage  Disclosure  Act  Database
complex  or  long  word
Regulatory  implementation
complex  or  long  word
Confidentially  report  any  wrongdoing  you  have
observed.
complex  or  long  word
Accessibility
4/9/2014 Scorecard
http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 9/12
readability
Readable  text  is  easy  to  read  and  understand.  Readability  is  important  when  you  want  to  communicate  a
complex  technical  concept  in  a  simple  way.
For  example,  suppose  that  you  are  writing  release  notes  for  a  new  product  release.  One  of  the  new  features
is  quite  complex.  You  must  explain  what  the  feature  can  do  and  help  the  reader  to  understand  the  main
benefits.  You  do  this  by  writing  in  a  simple  style  that  is  easy  to  read.
Your  goal  is  to  ensure  that  your  readability  score  is  appropriate  for  your  content.
If  you're  not  happy  with  your  readability  score,  use  the  following  guidelines  and  explanations  to  improve  the
readability  of  your  text:
Guideline Explanation
Use  active
voice
When  you  use  active  voice  it  is  clearer  who  performs  the  action  in  the
sentence.  Compared  to  the  passive  voice,  the  active  voice  reduces  the
ambiguity  in  a  sentence.
Compare  the  following  examples:
The  server  must  be  shut  down  during  the  module  installation
procedure.
Before  you  install  the  module,  shut  down  the  server.
Use  a  simple
subject-­verb-­
object
sentence
structure
A  simple  subject-­verb-­object  structure  makes  it  clear  to  the  reader  what
is  happening  in  the  sentence.  When  it  is  clear  which  words  are  the
subject,  verb,  and  object,  the  sentence  is  easier  to  understand.
Compare  the  following  examples:
The  server  must  be  shut  down  by  your  administrator.
Your  administrator  must  shut  down  the  server.
Shorten  your
average
sentence
length
Shorter  sentences  increase  readability  and  liveliness.  Text  is  more
enjoyable  to  read  when  the  reader  doesn't  have  to  concentrate  too
hard  to  understand  it.  Shorter  sentences  are  much  easier  to
understand  than  longer  ones.
Use  fewer
embedded
sentences
Embedded  sentences  are  fragments  of  text  in  a  sentence  that  you
could  easily  separate  out  into  another  sentence.
Compare  the  following  examples:
Check  for  errors  in  the  logging  window  that  appears  after  you
restart  the  server  that  was  terminated  unexpectedly.
Restart  the  server  that  terminated  unexpectedly.  In  the  logging
window  that  appears,  check  for  errors.
Use  fewer
complex  words
Complex  words  are  generally  longer  than  simple  words  and  are  less
familiar  to  readers.  Complex  words  slow  readers  down  can  force  a
reader  to  read  the  text  twice.
4/9/2014 Scorecard
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Compare  the  following  examples:
Recurring  diagnostic  procedures  facilitate  efficient  utilization  of
server  resources.
Regular  health  checks  help  you  to  use  your  server  resources
more  efficiently.
Remove  noun
clusters
Noun  clusters  occur  when  writers  use  several  nouns  to  modify  another
noun.  It  becomes  difficult  for  the  reader  to  tell  which  nouns  are
functioning  as  adjectives
Compare  the  following  examples:
Review  our  network  access  cost  optimization  proposal  to  find  out
how  you  can  save  costs.
To  find  out  how  you  can  save  costs,  review  our  proposal  on  how
to  optimize  costs  for  your  network  access.
informality
An  informal  writing  style  sounds  a  lot  like  how  we  speak.  It  is  relaxed  and  colloquial.  You  can  use  an  informal
voice  to  reduce  the  distance  between  yourself  and  your  readers.  You  build  more  of  a  personal  bond  with
your  reader.
For  example,  suppose  that  you're  writing  an  internal  memo  that  describes  a  new  business  strategy  to
everyone  in  the  company.  You  want  people  to  feel  that  you  understand  their  concerns.  That  they  can
approach  you  if  they  have  any  questions.  Your  readers  are  more  likely  to  feel  this  way  when  you  use  an
informal  voice  rather  than  a  formal  one.
On  the  other  hand,  a  really  informal  voice  might  not  be  appropriate  for  a  quarterly  report  to  external
shareholders.
Your  goal  is  to  ensure  that  your  content  has  the  appropriate  level  of  informality  for  your  target  audience.
If  you're  not  happy  with  your  informality  score,  use  the  following  guidelines  and  explanations  to  change  the
informality  of  your  text:
Guideline Explanation
Use  first  and
second
pronouns
First  and  second  person  pronouns  help  to  give  the  sense  that  you  are
one  person  in  a  private  conversation  with  another  person.  First  person
pronouns  like  "our"  give  the  feeling  of  inclusiveness,  and  help  the
reader  to  feel  like  they  are  part  of  the  group.
Compare  the  following  examples:
It  is  common  knowledge  in  the  organization,  that  many
departments  have  been  preoccupied  with  planning  the  upcoming
release.
As  you  all  know,  preparations  and  discussions  for  the  upcoming
release  have  kept  many  of  us  really  busy.
If  you're  communicating  on  behalf  of  an  organization,  you'll  want  to  use
the  plural  pronoun  "we".  The  "we"  gives  the  idea  that  you're
representing  a  group  of  people  who  all  want  to  help  the  reader  meet
their  goals.
Compare  the  following  examples:
Due  to  a  significant  amount  of  user  feedback,  the  interface  has
been  updated  to  automatically  store  the  settings  from  the
4/9/2014 Scorecard
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previous  session.
We've  listened  to  your  feedback.  It  was  loud  and  clear.  So  we've
updated  our  product  to  give  you  what  you  asked  for.  Now,  when
you  log  in,  you  get  your  settings  from  the  last  time  that  you  were
logged  in.
Use
contractions
Contractions  shorten  a  sentence  and  make  the  sentence  sound  more
like  a  conversation.  In  spoken  conversation,  we  usually  use
contractions  rather  than  the  full  form.
Compare  the  following  examples:
If  you  have  a  problem  with  your  installation,  do  not  hesitate  to
contact  us.  We  are  ready  for  your  call.
If  you've  got  a  problem  with  your  installation,  don't  hesitate  to
contact  us.  We're  ready  for  your  call.
Use  discourse
markers
Discourse  markers  are  words  that  let  you  know  that  a  speaker  wants  to
engage  you  in  a  discussion.
When  we  have  a  discussion,  we  say  things  like  "so  anyway,  we  think
that..."  or  "on  the  other  hand,  you  might  want  to..."  or  "The  thing  is,  we
should  really...".
These  kinds  of  expressions  are  discourse  markers.  Discourse  markers
engage  the  reader  and  make  it  sound  like  you're  having  a  private
discussion  with  them.
Compare  the  following  examples:
If  you  look  at  how  the  industry  is  changing,  you'll  notice  a  few
interesting  trends.  People  are  relying  more  on  community-­
created  content.  But  how  much  of  it  is  high  quality?
Now,  if  you  look  at  how  the  industry  is  changing,  you'll  notice  a
few  interesting  trends.  First  off,  people  are  relying  more  on
community-­created  content.  How  much  of  it  is  high  quality
though?
liveliness
Lively  text  is  exciting  and  compelling  to  read.  Liveliness  is  important  when  you  want  to  convince  the  reader
and  inspire  confidence.
For  example,  a  promotional  brochure  about  your  products  should  engage  the  reader  and  convince  them  that
your  product  can  meet  their  needs.  Liveliness  might  not  be  as  important  for  other  types  of  text  such  as
system  requirements.
Your  goal  is  to  ensure  that  your  content  has  the  appropriate  level  of  liveliness  for  your  target  audience.
If  you're  not  happy  with  your  liveliness  score,  use  the  following  guidelines  and  explanations  to  improve  the
liveliness  of  your  text:
Guideline Explanation
Use  incomplete
sentences
occasionally
Incomplete  sentences  create  a  sense  of  suspense.  Compare  the
following  examples
4/9/2014 Scorecard
http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 12/12
When  processes  work  efficiently,  customers  get  results  and
employees  are  more  productive  -­  both  of  which  are  beneficial  for
business.
When  your  processes  work  efficiently,  everyone  benefits.
Customers  get  results.  Employees  are  more  productive.
Vary  your
sentence
length
Like  incomplete  sentences,  varied  sentence  lengths  make  your  text
more  exciting  to  read.  When  the  rhythm  of  a  text  is  less  predicable,
readers  pay  more  attention  to  what  you  are  saying.
Shorten  your
average
sentence
length
Shorter  sentences  increase  readability  and  liveliness.  Text  is  more
enjoyable  to  read  when  the  reader  doesn't  have  to  concentrate  too
hard  to  understand  it.  Shorter  sentences  are  much  easier  to
understand  than  longer  ones.
Use  an  active
voice
When  you  address  the  reader  directly,  the  user  feels  more  engaged.
Compare  the  following  examples:
The  Business  Dashboard  supports  market-­leading  applications,
includes  technologies  that  facilitate  business  growth  and  can  be
deployed  on  the  platform  of  your  choice.
Our  systems  and  applications  work  with  yours.  And  because  the
Dashboard  is  so  reliable,  you  can  count  on  it  to  work  when
you’re  working.
Ask  the  reader
questions
occasionally
When  you  ask  the  reader  questions,  they  are  encouraged  to  read
further  and  search  for  the  answers  to  the  question.

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Example Acrolinx Language Analysis

  • 1. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 1/12 Quality 74 Categories 94 1  issue 79 4  issues 100 0  issues 24 48  issues Voice 81 48 73 Document  Information index.html • Kath  Straub • Wed  Apr  09  09:51:47  EDT  2014 • Plain_English •  1131  words  /  173  sentences •  6.5  words  is  the  average  sentence  length •  0  issues  found  in  read-­only  sections Administrative  Information Checking  Information Scorecard index.html SEO Terminology Spelling Grammar Style Reuse Readability Informality Liveliness 1 Terminology 1  issue Deprecated Admitted 1 4 0 48 Scorecard SEO Terminology Spelling Grammar Style Reuse Readability Informality Liveliness Term Term  Set Suggestion Context such (1  occurrence) Plain_English Look  for  red  flags,  such  as:
  • 2. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 2/12 21Valid Term Term  Set Suggestion Context You  did  not  choose  the  option  to  check  for  admitted  terms. Term Term  Set Context opportunity (1  occurrence) Plain_English American  consumers  should  have  the opportunity  to  use  credit  to  build  a  better  future for  themselves  and  their  loved  ones. opportunities (1  occurrence) Plain_English Credit  discrimination  prevents  people  from  having access  to  these  opportunities,  and  can  make credit  more  expensive. Opportunity (3  occurences) Plain_English The  Equal  Credit  Opportunity  Act  makes  it  illegal for  a  creditor  to  discriminate  in  any  aspect  of  credit transaction  based  on  certain  characteristics. practices (1  occurrence) Plain_English In  addition,  the  Fair  Housing  Act  makes  many discrimination  practices  in  home  financing  illegal. Opportunity (3  occurences) Plain_English The  Office  of  Fair  Lending  and  Equal  Opportunity communications (1  occurrence) Plain_English Walking  away  and  continuing  the  discussion  later, if  you  so  choose,  is  a  good  way  to  control communications  with  the  lender. Information (2  occurences) Plain_English Additional  Information. Information (2  occurences) Plain_English Additional  Information. information (2  occurences) Plain_English Below  you  will  find  links  to  additional  information about  your  fair  lending  rights: information (2  occurences) Plain_English Below  you  will  find  links  to  additional  information about  your  fair  lending  rights: information (2  occurences) Plain_English For  more  information  on  credit  discrimination, download  our  brochure. information (2  occurences) Plain_English For  more  information  on  credit  discrimination, download  our  brochure. Department (2  occurences) Plain_English Department  of  Housing  and  Urban  Development: Development (1  occurrence) Plain_English Department  of  Housing  and  Urban  Development:
  • 3. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 3/12 New Spelling 4  issues Issue Suggestion Context fairer (2  occurences) airer, pairer, Pairer You  can  help  us  protect  consumers  and  create  a fairer  marketplace  even  if  you  don’t  want  to  file  a complaint. fairer (2  occurences) airer, pairer, Pairer Help  inform  how  we  protect  consumers  &  create  a fairer  marketplace. nuestro (1  occurrence) Visite  nuestro  sitio  web  en  español sitio (1  occurrence) Visite  nuestro  sitio  web  en  español Order  by:  Rule  |  OccurrenceGrammar 0  issues Opportunity (3  occurences) Plain_English More  about  the  Equal  Credit  Opportunity  Act  (y en  español). Department (2  occurences) Plain_English Department  of  Justice: Information (2  occurences) Plain_English Information  for: Information (2  occurences) Plain_English Information  for: calendar (1  occurrence) Plain_English Leadership  calendar Administrative (1  occurrence) Plain_English Administrative  adjudication adjudication (1  occurrence) Plain_English Administrative  adjudication Term Context You  did  not  choose  the  option  to  check  for  new  terms.
  • 4. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 4/12 Issue Suggestion Order  by:  Rule  |  OccurrenceStyle 48  issues Issue Suggestion complex  or  long  word What  protections  do  I  have  against  credit discrimination? avoid  noun  cluster >  Consumer  Financial  Protection  Bureau complex  or  long  word What  protections  do  I  have  against  credit discrimination? complex  or  long  word What  protections  do  I  have  against  credit discrimination? avoid  modal  verbs American  consumers  should  have  the  opportunity  to use  credit  to  build  a  better  future  for  themselves  and their  loved  ones. complex  or  long  word Credit  discrimination  prevents  people  from  having access  to  these  opportunities,  and  can  make  credit more  expensive. complex  or  long  word What  is  credit  discrimination? complex  or  long  word The  Equal  Credit  Opportunity  Act  makes  it  illegal  for a  creditor  to  discriminate  in  any  aspect  of  credit transaction  based  on  certain  characteristics. complex  or  long  word
  • 5. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 5/12 The  Equal  Credit  Opportunity  Act  makes  it  illegal  for a  creditor  to  discriminate  in  any  aspect  of  credit transaction  based  on  certain  characteristics. complex  or  long  word In  addition,  the  Fair  Housing  Act  makes  many discrimination  practices  in  home  financing  illegal. complex  or  long  word What  is  credit  discrimination? complex  or  long  word How  I  can  protect  myself  from  credit  discrimination complex  or  long  word Offer  you  credit  on  terms  that  are  less  favorable,  like a  higher  interest  rate,  than  terms  offered  to  someone with  similar  qualifications simplify  word On  the  basis  of: From:  Based  on:  By: complex  or  long  word How  can  I  protect  myself  from  credit  discrimination? complex  or  long  word Credit  discrimination  is  often  hidden  or  even unintentional,  which  makes  it  hard  to  spot. complex  or  long  word Credit  discrimination  is  often  hidden  or  even unintentional,  which  makes  it  hard  to  spot. use  bulleted  list You  hear  the  lender  make  negative  comments about  race,  national  origin,  sex,  or  other  protected groups. avoid  complex  sentences You  are  denied  credit,  but  not  given  a  reason  why  or told  how  to  find  out  why.
  • 6. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 6/12 use  complementizer If  you  believe  a  lender  has  discriminated  against you  for  any  reason,  you  can  file  a  complaint. If  you  believe  that  a  lender has  discriminated  against you  for  any  reason,  you  can file  a  complaint. complex  or  long  word If  you  believe  a  lender  has  discriminated  against you  for  any  reason,  you  can  file  a  complaint. Sentence  too  long:  30  words Learn  more  about  what  factors  lenders  can  consider in  deciding  whether  to  lend  money  and  deciding  what features  to  offer,  like  the  interest  rate  or  the  term  of  the loan. avoid  complex  sentences Learn  more  about  what  factors  lenders  can  consider in  deciding  whether  to  lend  money  and  deciding what  features  to  offer,  like  the  interest  rate  or  the  term of  the  loan. avoid  hidden  verbs Creditors  will  make  decisions  based  on  your  credit history. use  complementizer Be  sure  there  are  no  mistakes  or  missing  items  in your  credit  reports. Be  sure  that  there  are  no mistakes  or  missing  items  in your  credit  reports. use  complementizer Be  sure  you  understand  the  rates  and  fees  you  will pay  over  the  long  run. Be  sure  that  you understand  the  rates  and fees  you  will  pay  over  the long  run. Sentence  too  long:  29  words Ask  whether  the  rates  and  fees  quoted  to  you  by  your lender  are  set,  or  if  there  are  any  circumstances  in which  the  quoted  rates  and  fees  could  change. avoid  complex  sentences Ask  whether  the  rates  and  fees  quoted  to  you  by
  • 7. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 7/12 your  lender  are  set,  or  if  there  are  any  circumstances in  which  the  quoted  rates  and  fees  could  change. complex  or  long  word Ask  whether  the  rates  and  fees  quoted  to  you  by  your lender  are  set,  or  if  there  are  any  circumstances  in which  the  quoted  rates  and  fees  could  change. use  "this/that/these/those"  with  noun If  a  creditor  does  not  want  to  answer  your  questions, this  could  be  a  bad  sign. avoid  modal  verbs Your  lender  shouldn’t  make  you  feel  rushed,  or unnecessarily  delay  action  on  your  application. complex  or  long  word Your  lender  shouldn’t  make  you  feel  rushed,  or unnecessarily  delay  action  on  your  application. avoid  modal  verbs Remember,  the  product  that  works  for  you  today  may not  work  for  you  down  the  road. avoid  needless  word To  learn  more  about  the  Office  of  Fair  Lending  and CFPB’s  fair  lending  efforts,  please  read  our  recent report  to  Congress  or  our  recent  blog  posts. complex  or  long  word Within  the  consumer  bureau,  the  Office  of  Fair Lending  works  to  ensure  fair,  equitable,  and nondiscriminatory  access  to  credit  for  both individuals  and  communities  through: avoid  noun  cluster Enforcement  and  oversight  of  Federal  fair  lending laws;;  and avoid  complex  coordination Promotion  of  fair  lending  compliance  and  education among  industry,  fair  lending,  civil  rights,  and consumer  and  community  advocates.
  • 8. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 8/12 use  bulleted  list Promotion  of  fair  lending  compliance  and  education among  industry,  fair  lending,  civil  rights,  and consumer  and  community  advocates. avoid  noun  cluster Assistant  Director  Patrice  Alexander  Ficklin  leads the  Office  of  Fair  Lending. avoid  noun  cluster Consumer  Financial  Protection  Bureau: complex  or  long  word For  more  information  on  credit  discrimination, download  our  brochure. complex  or  long  word Helpful  tools  to  protect  yourself  from  discrimination (y  en  español). complex  or  long  word Housing  and  Civil  Enforcement  Section,  which  also enforces  antidiscrimination  laws. complex  or  long  word Protections  against  credit  discrimination avoid  noun  cluster Home  Mortgage  Disclosure  Act  Database complex  or  long  word Regulatory  implementation complex  or  long  word Confidentially  report  any  wrongdoing  you  have observed. complex  or  long  word Accessibility
  • 9. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 9/12 readability Readable  text  is  easy  to  read  and  understand.  Readability  is  important  when  you  want  to  communicate  a complex  technical  concept  in  a  simple  way. For  example,  suppose  that  you  are  writing  release  notes  for  a  new  product  release.  One  of  the  new  features is  quite  complex.  You  must  explain  what  the  feature  can  do  and  help  the  reader  to  understand  the  main benefits.  You  do  this  by  writing  in  a  simple  style  that  is  easy  to  read. Your  goal  is  to  ensure  that  your  readability  score  is  appropriate  for  your  content. If  you're  not  happy  with  your  readability  score,  use  the  following  guidelines  and  explanations  to  improve  the readability  of  your  text: Guideline Explanation Use  active voice When  you  use  active  voice  it  is  clearer  who  performs  the  action  in  the sentence.  Compared  to  the  passive  voice,  the  active  voice  reduces  the ambiguity  in  a  sentence. Compare  the  following  examples: The  server  must  be  shut  down  during  the  module  installation procedure. Before  you  install  the  module,  shut  down  the  server. Use  a  simple subject-­verb-­ object sentence structure A  simple  subject-­verb-­object  structure  makes  it  clear  to  the  reader  what is  happening  in  the  sentence.  When  it  is  clear  which  words  are  the subject,  verb,  and  object,  the  sentence  is  easier  to  understand. Compare  the  following  examples: The  server  must  be  shut  down  by  your  administrator. Your  administrator  must  shut  down  the  server. Shorten  your average sentence length Shorter  sentences  increase  readability  and  liveliness.  Text  is  more enjoyable  to  read  when  the  reader  doesn't  have  to  concentrate  too hard  to  understand  it.  Shorter  sentences  are  much  easier  to understand  than  longer  ones. Use  fewer embedded sentences Embedded  sentences  are  fragments  of  text  in  a  sentence  that  you could  easily  separate  out  into  another  sentence. Compare  the  following  examples: Check  for  errors  in  the  logging  window  that  appears  after  you restart  the  server  that  was  terminated  unexpectedly. Restart  the  server  that  terminated  unexpectedly.  In  the  logging window  that  appears,  check  for  errors. Use  fewer complex  words Complex  words  are  generally  longer  than  simple  words  and  are  less familiar  to  readers.  Complex  words  slow  readers  down  can  force  a reader  to  read  the  text  twice.
  • 10. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 10/12 Compare  the  following  examples: Recurring  diagnostic  procedures  facilitate  efficient  utilization  of server  resources. Regular  health  checks  help  you  to  use  your  server  resources more  efficiently. Remove  noun clusters Noun  clusters  occur  when  writers  use  several  nouns  to  modify  another noun.  It  becomes  difficult  for  the  reader  to  tell  which  nouns  are functioning  as  adjectives Compare  the  following  examples: Review  our  network  access  cost  optimization  proposal  to  find  out how  you  can  save  costs. To  find  out  how  you  can  save  costs,  review  our  proposal  on  how to  optimize  costs  for  your  network  access. informality An  informal  writing  style  sounds  a  lot  like  how  we  speak.  It  is  relaxed  and  colloquial.  You  can  use  an  informal voice  to  reduce  the  distance  between  yourself  and  your  readers.  You  build  more  of  a  personal  bond  with your  reader. For  example,  suppose  that  you're  writing  an  internal  memo  that  describes  a  new  business  strategy  to everyone  in  the  company.  You  want  people  to  feel  that  you  understand  their  concerns.  That  they  can approach  you  if  they  have  any  questions.  Your  readers  are  more  likely  to  feel  this  way  when  you  use  an informal  voice  rather  than  a  formal  one. On  the  other  hand,  a  really  informal  voice  might  not  be  appropriate  for  a  quarterly  report  to  external shareholders. Your  goal  is  to  ensure  that  your  content  has  the  appropriate  level  of  informality  for  your  target  audience. If  you're  not  happy  with  your  informality  score,  use  the  following  guidelines  and  explanations  to  change  the informality  of  your  text: Guideline Explanation Use  first  and second pronouns First  and  second  person  pronouns  help  to  give  the  sense  that  you  are one  person  in  a  private  conversation  with  another  person.  First  person pronouns  like  "our"  give  the  feeling  of  inclusiveness,  and  help  the reader  to  feel  like  they  are  part  of  the  group. Compare  the  following  examples: It  is  common  knowledge  in  the  organization,  that  many departments  have  been  preoccupied  with  planning  the  upcoming release. As  you  all  know,  preparations  and  discussions  for  the  upcoming release  have  kept  many  of  us  really  busy. If  you're  communicating  on  behalf  of  an  organization,  you'll  want  to  use the  plural  pronoun  "we".  The  "we"  gives  the  idea  that  you're representing  a  group  of  people  who  all  want  to  help  the  reader  meet their  goals. Compare  the  following  examples: Due  to  a  significant  amount  of  user  feedback,  the  interface  has been  updated  to  automatically  store  the  settings  from  the
  • 11. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 11/12 previous  session. We've  listened  to  your  feedback.  It  was  loud  and  clear.  So  we've updated  our  product  to  give  you  what  you  asked  for.  Now,  when you  log  in,  you  get  your  settings  from  the  last  time  that  you  were logged  in. Use contractions Contractions  shorten  a  sentence  and  make  the  sentence  sound  more like  a  conversation.  In  spoken  conversation,  we  usually  use contractions  rather  than  the  full  form. Compare  the  following  examples: If  you  have  a  problem  with  your  installation,  do  not  hesitate  to contact  us.  We  are  ready  for  your  call. If  you've  got  a  problem  with  your  installation,  don't  hesitate  to contact  us.  We're  ready  for  your  call. Use  discourse markers Discourse  markers  are  words  that  let  you  know  that  a  speaker  wants  to engage  you  in  a  discussion. When  we  have  a  discussion,  we  say  things  like  "so  anyway,  we  think that..."  or  "on  the  other  hand,  you  might  want  to..."  or  "The  thing  is,  we should  really...". These  kinds  of  expressions  are  discourse  markers.  Discourse  markers engage  the  reader  and  make  it  sound  like  you're  having  a  private discussion  with  them. Compare  the  following  examples: If  you  look  at  how  the  industry  is  changing,  you'll  notice  a  few interesting  trends.  People  are  relying  more  on  community-­ created  content.  But  how  much  of  it  is  high  quality? Now,  if  you  look  at  how  the  industry  is  changing,  you'll  notice  a few  interesting  trends.  First  off,  people  are  relying  more  on community-­created  content.  How  much  of  it  is  high  quality though? liveliness Lively  text  is  exciting  and  compelling  to  read.  Liveliness  is  important  when  you  want  to  convince  the  reader and  inspire  confidence. For  example,  a  promotional  brochure  about  your  products  should  engage  the  reader  and  convince  them  that your  product  can  meet  their  needs.  Liveliness  might  not  be  as  important  for  other  types  of  text  such  as system  requirements. Your  goal  is  to  ensure  that  your  content  has  the  appropriate  level  of  liveliness  for  your  target  audience. If  you're  not  happy  with  your  liveliness  score,  use  the  following  guidelines  and  explanations  to  improve  the liveliness  of  your  text: Guideline Explanation Use  incomplete sentences occasionally Incomplete  sentences  create  a  sense  of  suspense.  Compare  the following  examples
  • 12. 4/9/2014 Scorecard http://206.80.38.129:8031/output/en/index_html_Kath_022225e57935afbe_3_report.xml 12/12 When  processes  work  efficiently,  customers  get  results  and employees  are  more  productive  -­  both  of  which  are  beneficial  for business. When  your  processes  work  efficiently,  everyone  benefits. Customers  get  results.  Employees  are  more  productive. Vary  your sentence length Like  incomplete  sentences,  varied  sentence  lengths  make  your  text more  exciting  to  read.  When  the  rhythm  of  a  text  is  less  predicable, readers  pay  more  attention  to  what  you  are  saying. Shorten  your average sentence length Shorter  sentences  increase  readability  and  liveliness.  Text  is  more enjoyable  to  read  when  the  reader  doesn't  have  to  concentrate  too hard  to  understand  it.  Shorter  sentences  are  much  easier  to understand  than  longer  ones. Use  an  active voice When  you  address  the  reader  directly,  the  user  feels  more  engaged. Compare  the  following  examples: The  Business  Dashboard  supports  market-­leading  applications, includes  technologies  that  facilitate  business  growth  and  can  be deployed  on  the  platform  of  your  choice. Our  systems  and  applications  work  with  yours.  And  because  the Dashboard  is  so  reliable,  you  can  count  on  it  to  work  when you’re  working. Ask  the  reader questions occasionally When  you  ask  the  reader  questions,  they  are  encouraged  to  read further  and  search  for  the  answers  to  the  question.