{
  "creditwise.general.auto.refinance.guaranteed.rate.offer.banner.additional.details" : "Access code: {} | Offer expires {}",
  "creditwise.general.auto.refinance.guaranteed.rate.offer.banner.button.title" : "Learn More",
  "creditwise.general.auto.refinance.guaranteed.rate.offer.banner.subtitle" : "If you're approved for auto refinancing with us, we'll give you an",
  "creditwise.general.auto.refinance.guaranteed.rate.offer.banner.subtitle.affix" : "exclusive annual percentage rate (APR) of {}%.",
  "creditwise.general.auto.refinance.guaranteed.rate.offer.banner.title" : "While you're at it, check in on your auto loan.",
  "creditwise.general.auto.refinance.offer.banner.button.title" : "Get Started",
  "creditwise.general.auto.refinance.offer.banner.subtitle" : "Refinancing your car could help lower your payment—for our customers, it's an average of",
  "creditwise.general.auto.refinance.offer.banner.subtitle.affix" : "$75 every month.",
  "creditwise.general.auto.refinance.offer.banner.title" : "Wish you could pay less for your car?",
  "creditwise.general.auto.valuevehicle.banner.body.vv1a" : "Checking your car's value will only take a few seconds.",
  "creditwise.general.auto.valuevehicle.banner.body.vv1n" : "Take a few seconds to check your car's value. It won't hurt your credit score.",
  "creditwise.general.auto.valuevehicle.banner.body.vv1t" : "Go to the dealer better prepared by learning more about your car.",
  "creditwise.general.auto.valuevehicle.banner.close.accessibility.label" : "Tap to close.",
  "creditwise.general.auto.valuevehicle.banner.cta.accessibility.label" : "Tap to check value.",
  "creditwise.general.auto.valuevehicle.banner.cta.title" : "Take a Look",
  "creditwise.general.auto.valuevehicle.banner.title.vv1a" : "Your car is a major asset. Do you know how much it's worth?",
  "creditwise.general.auto.valuevehicle.banner.title.vv1l" : "You know your car payment, but do you know the value of your car?",
  "creditwise.general.auto.valuevehicle.banner.title.vv1n" : "Do you know your car's value?",
  "creditwise.general.auto.valuevehicle.banner.title.vv1t" : "Thinking about trading in your car?",
  "creditwise.general.auto.valuevehicle.carlist.dontseecar.title" : "Don't see your car?",
  "creditwise.general.auto.valuevehicle.carlist.title" : "Select your car to see its value.",
  "creditwise.general.auto.valuevehicle.consent.body" : "By clicking 'Look Up Your Car', I allow Capital One to do the following:",
  "creditwise.general.auto.valuevehicle.consent.body.bullet1" : "Securely send my Social Security number, state, zip, and license plate (if required) to trusted partners to find my car's info by using state DMV records and other vehicle-related records.",
  "creditwise.general.auto.valuevehicle.consent.body.bullet2" : "Use my car's VIN to determine my eligibility for Capital One marketing offers.",
  "creditwise.general.auto.valuevehicle.consent.button.title" : "Look Up Your Car",
  "creditwise.general.auto.valuevehicle.consent.title" : "Let's look up your car, then we can get the value. This won't hurt your credit score.",
  "creditwise.general.auto.valuevehicle.detail.disclaimer.title" : "*The trade-in value you actually get for your car will ultimately depend on the dealership and their evaluation of your car's condition, and the tool they use to value your car. There are other tools that can be used to get values. We chose the CARFAX® History-Based Value because it factors in important things like number of owners, accidents, and service history. The value shown here can change over time and may be different if there are unreported changes to your car.",
  "creditwise.general.auto.valuevehicle.detail.helpful.no.cancel.button.title" : "Cancel",
  "creditwise.general.auto.valuevehicle.detail.helpful.no.option1" : "I don't plan to trade in my car soon.",
  "creditwise.general.auto.valuevehicle.detail.helpful.no.option2" : "I don't understand how the value of my car affects me.",
  "creditwise.general.auto.valuevehicle.detail.helpful.no.option3" : "I'm already tracking the value of my car somewhere else.",
  "creditwise.general.auto.valuevehicle.detail.helpful.no.option4" : "Other",
  "creditwise.general.auto.valuevehicle.detail.helpful.no.submit.button.title" : "Submit",
  "creditwise.general.auto.valuevehicle.detail.helpful.no.title" : "Why wasn't this helpful?",
  "creditwise.general.auto.valuevehicle.detail.helpful.thankyou.subtitle" : "We're exploring ways to help you track and learn about your finances—including things like owning a car, its value, and the loan balance.",
  "creditwise.general.auto.valuevehicle.detail.helpful.thankyou.title" : "Thank you!",
  "creditwise.general.auto.valuevehicle.detail.helpful.title" : "Is this value helpful?",
  "creditwise.general.auto.valuevehicle.detail.subtitle" : "CARFAX® History-Based Trade-in Value*",
  "creditwise.general.auto.valuevehicle.dontseecar.button.title" : "Continue",
  "creditwise.general.auto.valuevehicle.dontseecar.licenseplate.title" : "License Plate",
  "creditwise.general.auto.valuevehicle.dontseecar.licenseplatestate.title" : "License Plate State",
  "creditwise.general.auto.valuevehicle.dontseecar.lookup.title" : "We need your license plate to look up your car.",
  "creditwise.general.auto.valuevehicle.dontseecar.lookupagain.title" : "We didn't find a car for that license plate.\nTry entering it again.",
  "creditwise.general.auto.valuevehicle.dontseecar.sorry.title" : "Sorry, we couldn't find a value for this car.",
  "creditwise.general.auto.valuevehicle.loading.title" : "Looking up your car",
  "creditwise.general.balancetransfer.offers.subtitle" : "Consider transferring a balance from a card with a higher APR to your Capital One card to save money on interest.",
  "creditwise.general.balancetransfer.offers.title" : "Are you trying to pay down a balance on another card?",
  "creditwise.general.components.content-rater.video-page.no" : "No",
  "creditwise.general.components.content-rater.video-page.no.already-know" : "I already knew this",
  "creditwise.general.components.content-rater.video-page.no.dont-understand" : "I don't understand what this means",
  "creditwise.general.components.content-rater.video-page.no.isnt-relevant" : "This isn't relevant to me",
  "creditwise.general.components.content-rater.video-page.no.isnt-specific" : "This isn't specific enough",
  "creditwise.general.components.content-rater.video-page.was-this-helpful" : "Was this helpful?",
  "creditwise.general.components.content-rater.video-page.yes" : "Yes",
  "creditwise.general.components.skinny-tile.body.covid" : "View FAQ on how the COVID-19 situation might impact your finances.",
  "creditwise.general.components.skinny-tile.body.credit-report" : "Check your most recent report, which includes your accounts and balances.",
  "creditwise.general.components.skinny-tile.body.simulator" : "See how everyday decisions may influence your credit score - before you make them.",
  "creditwise.general.components.skinny-tile.body.student-loan-repayment" : "Learn more from the US Dept of Education about repayment options",
  "creditwise.general.components.skinny-tile.heading.covid" : "COVID-19 Credit Resources",
  "creditwise.general.components.skinny-tile.heading.credit-report" : "Your TransUnion Credit Report",
  "creditwise.general.components.skinny-tile.heading.simulator" : "Credit Simulator",
  "creditwise.general.components.skinny-tile.heading.student-loan-repayment" : "Student Loan Repayment",
  "creditwise.general.components.video-tile.banner.button.otpa" : "Take a Look",
  "creditwise.general.components.video-tile.banner.button.stat" : "Take a Look",
  "creditwise.general.components.video-tile.banner.button.test" : "Take a Look",
  "creditwise.general.components.video-tile.banner.button.util" : "Take a Look",
  "creditwise.general.components.video-tile.banner.description.otpa" : "Learn about the impact on-time and late payments can have on your credit score.",
  "creditwise.general.components.video-tile.banner.description.stat" : "Here's a quick guide explaining credit scores, including how they work, what's considered good, and why they're valuable.",
  "creditwise.general.components.video-tile.banner.description.test" : "This video gives a basic overview of what credit is and some of the factors that may influence a credit score.",
  "creditwise.general.components.video-tile.banner.description.util" : "Learn about how credit utilization is calculated and the impact it can have on your credit score.",
  "creditwise.general.components.video-tile.banner.title.otpa" : "Learn About the Payment History Key Factor",
  "creditwise.general.components.video-tile.banner.title.stat" : "Learn About the Basics of Credit",
  "creditwise.general.components.video-tile.banner.title.test" : "Learn About the Basics of Credit",
  "creditwise.general.components.video-tile.banner.title.util" : "Learn About the Credit Utilization Key Factor",
  "creditwise.general.components.video-tile.details.description.test" : "It will review basic information, such as the importance of responsible financial behavior.",
  "creditwise.general.components.video-tile.details.key-takeaway-1.otpa" : "Payment history includes credit card, mortgage, auto loan, and other finance loan payments",
  "creditwise.general.components.video-tile.details.key-takeaway-1.test" : "Credit card balances may be paid back over time, with interest",
  "creditwise.general.components.video-tile.details.key-takeaway-1.util" : "Credit utilization is how much credit you use versus how much credit you have",
  "creditwise.general.components.video-tile.details.key-takeaway-2.otpa" : "Missing a payment can hurt your credit score, and stay on your report for seven years",
  "creditwise.general.components.video-tile.details.key-takeaway-2.test" : "Credit scores tend to show lenders things like how responsible cardholders are at making payments on time",
  "creditwise.general.components.video-tile.details.key-takeaway-2.util" : "For example, if you have a $1000 balance and $2000 limit, your credit utilization is 50%",
  "creditwise.general.components.video-tile.details.key-takeaway-3.otpa" : "Tools like AutoPay can help keep your payments on time",
  "creditwise.general.components.video-tile.details.key-takeaway-3.test" : "Good habits include setting payment reminders and reviewing your statements",
  "creditwise.general.components.video-tile.details.key-takeaway-3.util" : "Experts recommend keeping utilization under 30%, to show how well you manage your credit",
  "creditwise.general.components.video-tile.details.key-takeaway-title.otpa" : "Key Takeaways",
  "creditwise.general.components.video-tile.details.key-takeaway-title.test" : "Key Takeaways",
  "creditwise.general.components.video-tile.details.key-takeaway-title.util" : "Key Takeaways",
  "creditwise.general.components.video-tile.details.learn-more-1.otpa" : "Check Out Your Payment History",
  "creditwise.general.components.video-tile.details.learn-more-1.test" : "Check out your payment history",
  "creditwise.general.components.video-tile.details.learn-more-1.util" : "Check Out Your Credit Utilization",
  "creditwise.general.components.video-tile.details.learn-more-2.otpa" : "See Your Credit Accounts",
  "creditwise.general.components.video-tile.details.learn-more-2.test" : "View your total credit balance",
  "creditwise.general.components.video-tile.details.learn-more-2.util" : "See Your Total Available Balance",
  "creditwise.general.components.video-tile.details.learn-more-title.otpa" : "Learn More About Credit",
  "creditwise.general.components.video-tile.details.learn-more-title.test" : "Learn More About Credit",
  "creditwise.general.components.video-tile.details.learn-more-title.util" : "Learn More About Credit",
  "creditwise.general.components.video-tile.details.title.otpa" : "The Payment History Key Factor",
  "creditwise.general.components.video-tile.details.title.test" : "The Basics of Credit",
  "creditwise.general.components.video-tile.details.title.util" : "The Credit Utilization Key Factor",
  "creditwise.general.components.video-tile.time-description.otpa" : "(1 minute video)",
  "creditwise.general.components.video-tile.time-description.stat" : "",
  "creditwise.general.components.video-tile.time-description.test" : "(1 minute video)",
  "creditwise.general.components.video-tile.time-description.util" : "(2 minute video)",
  "creditwise.general.enrollment.emailconsent.disclosure" : "When you provide your email address we will update your email address across all of your accounts at Capital One, N.A. and its affiliates. CreditWise Dark Web alerts will start monitoring this email address. We may use your email address to send you important information about your credit file, your Capital One applications and accounts (if any), and other useful products and services.",
  "creditwise.general.error.ct.102.content" : "The password you chose is not eligible, please try again with a different choice.",
  "creditwise.general.error.ct.102.title" : "Let's try that again!",
  "creditwise.general.error.ct.103.content" : "That username has already been taken, try a different one.",
  "creditwise.general.error.ct.103.title" : "Someone beat you to it",
  "creditwise.general.error.ct.104.content" : "The username you chose is not eligible, please try again with a different choice.",
  "creditwise.general.error.ct.104.title" : "Let's try that again!",
  "creditwise.general.error.ct.106.content" : "You're signed up! Sign In and answer just a couple more questions to start using CreditWise.",
  "creditwise.general.error.ct.106.title" : "Just a few more questions",
  "creditwise.general.error.ct.113.content" : "We need a little more information from you",
  "creditwise.general.error.ct.113.title" : "Let's get this worked out",
  "creditwise.general.error.ct.140.content" : "We weren't able to confirm your identity based on the answers you provided. But don't worry, you have another chance to get it right.",
  "creditwise.general.error.ct.140.title" : "Lets Try This Again",
  "creditwise.general.error.ct.152.content" : "This account isn't currently eligible for CreditWise. You'll need to create a new account to get access.",
  "creditwise.general.error.ct.152.title" : "Let's get this worked out",
  "creditwise.general.error.ct.161.content" : "Give us a call at 1-877-383-4802 and we'll help you sort it out.",
  "creditwise.general.error.ct.166.content" : "Looks like we need to fix something. Try again in a bit. If you've seen this message a couple of times, you might be using an invalid account. Check to make sure you have the right info and try again.",
  "creditwise.general.error.ct.166.title" : "Let's get this worked out",
  "creditwise.general.error.ct.172.content" : "This account isn't eligible for CreditWise but it looks like you have a different account that will work. Use that account to sign-in.",
  "creditwise.general.error.ct.172.title" : "Let's get this worked out",
  "creditwise.general.error.ct.175.content" : "Forget your username or password?",
  "creditwise.general.error.ct.175.title" : "Need login assistance?",
  "creditwise.general.error.ct.176.content" : "For security, choose and answer just a few questions.",
  "creditwise.general.error.ct.176.title" : "Just a few more questions",
  "creditwise.general.error.ct.179.content" : "We don't recognize that information. Please give it another try.",
  "creditwise.general.error.ct.179.title" : "Please try again!",
  "creditwise.general.error.ct.180.content" : "The answers you chose are not eligible, please try again with different choices.",
  "creditwise.general.error.ct.180.title" : "Please try again!",
  "creditwise.general.error.ct.183.content" : "For your security, the password you chose is not eligible, please try again with a different choice. Passwords containing dictionary words or common sequences are not acceptable.",
  "creditwise.general.error.ct.183.title" : "Let's try that again!",
  "creditwise.general.error.ct.184.content" : "For your security, the password you chose is not eligible, please try again with a different choice. Passwords containing dictionary words or common sequences are not acceptable.",
  "creditwise.general.error.ct.184.title" : "Let's try that again!",
  "creditwise.general.error.ct.185.content" : "For your security, the password you chose is not eligible, please try again with a different choice. Passwords containing dictionary words or common sequences are not acceptable.",
  "creditwise.general.error.ct.185.title" : "Let's try that again!",
  "creditwise.general.error.ct.186.content" : "For your security, the password you chose is not eligible, please try again with a different choice. Passwords containing dictionary words or common sequences are not acceptable.",
  "creditwise.general.error.ct.186.title" : "Let's try that again!",
  "creditwise.general.error.ct.187.content" : "For security we've locked your account because of too many invalid sign-ins. Give us a call at 1-877-383-4802 and we'll help you sort it out.",
  "creditwise.general.error.ct.187.title" : "Let's get this worked out",
  "creditwise.general.error.ct.188.content" : "Looks like you didn't finish signing up. Go to our website to complete the process.",
  "creditwise.general.error.ct.188.title" : "Let's get this worked out",
  "creditwise.general.error.ct.189.content" : "We do not recognize the account information provided. Please give it another try.",
  "creditwise.general.error.ct.189.title" : "Please try again",
  "creditwise.general.error.ct.190.content" : "We're sorry, but it looks like you already have enrolled using another account. Please login with that username.",
  "creditwise.general.error.ct.190.title" : "Let's get this worked out.",
  "creditwise.general.error.ct.192.content" : "There is an issue while updating your email id, please try again in some time.",
  "creditwise.general.error.ct.192.title" : "We're Sorry",
  "creditwise.general.error.ct.194.content" : "We don't recognize some of your information. Please give us a call at 1-877-383-4802.",
  "creditwise.general.error.ct.194.title" : "Let's get this worked out",
  "creditwise.general.error.ct.196.content" : "You have to be 18 or older to take advantage of CreditWise. If you are, please call us at 1-877-383-4802.",
  "creditwise.general.error.ct.196.title" : "Looks like you are underage",
  "creditwise.general.error.ct.198.content" : "Review your enrollment form and try again. Please note that if you're a Capital One customer, you can use your credentials to sign in.",
  "creditwise.general.error.ct.198.title" : "Oops, we hit a snag.",
  "creditwise.general.error.ct.201.content" : "The Username you chose is not eligible, please try again with a different choice.",
  "creditwise.general.error.ct.201.title" : "Let's try that again",
  "creditwise.general.error.ct.202.content" : "The Username you chose is not eligible due to containing your password, please try again with a different choice.",
  "creditwise.general.error.ct.202.title" : "Let's try that again",
  "creditwise.general.error.ct.205.content" : "We do not recognize the account information provided. Please give it another try.",
  "creditwise.general.error.ct.205.title" : "Please try again",
  "creditwise.general.error.ct.228.content" : "We do not recognize the account information provided. Please give it another try.",
  "creditwise.general.error.ct.228.title" : "Let's try that again",
  "creditwise.general.error.ct.229.content" : "Try again with your user name and password.",
  "creditwise.general.error.ct.229.title" : "We hit a snag signing you in.",
  "creditwise.general.error.ct.230.content" : "Try again with your user name and password.",
  "creditwise.general.error.ct.230.title" : "We hit a snag signing you in.",
  "creditwise.general.error.ct.231.content" : "Try again with your user name and password.",
  "creditwise.general.error.ct.231.title" : "We hit a snag signing you in.",
  "creditwise.general.error.ct.232.content" : "Try again with your user name and password.",
  "creditwise.general.error.ct.232.title" : "We hit a snag signing you in.",
  "creditwise.general.error.ct.241.content" : "Your online access has been locked because we detected some suspicious activity. Give us a call at 1-877-383-4802 so we can help you sort this out.",
  "creditwise.general.error.ct.241.title" : "We want to keep you safe",
  "creditwise.general.error.ct.242.content" : "Review your enrollment form and try again. Please note that if you're a Capital One customer, you can use your credentials to sign in.",
  "creditwise.general.error.ct.242.title" : "Oops, we hit a snag.",
  "creditwise.general.error.ct.243.content" : "For security we've locked your account because of too many invalid sign-ins. Give us a call at 1-877-383-4802 and we'll help you sort it out.",
  "creditwise.general.error.ct.243.title" : "Let's get this worked out",
  "creditwise.general.error.ct.244.content" : "Your account has been locked due to inactivity. Give us a call at 1-877-383-4802 and we'll help you sort it out.",
  "creditwise.general.error.ct.244.title" : "Let's get this worked out",
  "creditwise.general.error.ct.245.content" : "For your security, we'll need you to answer a few more questions.",
  "creditwise.general.error.ct.245.title" : "Just a few more questions",
  "creditwise.general.error.ct.250.content" : "We don't recognize that information. Give it another try, or if this is your first time using CreditWise, look-up your username on CapitalOne.com.",
  "creditwise.general.error.ct.250.title" : "Was that correct?",
  "creditwise.general.error.ct.256.content" : "For security, choose and answer just a few questions.",
  "creditwise.general.error.ct.256.title" : "Just a few more questions",
  "creditwise.general.error.ct.259.content" : "We don't recognize your username and/or password, please give it another try.",
  "creditwise.general.error.ct.259.title" : "Was that correct?",
  "creditwise.general.error.ct.260.content" : "For security we've locked your account because of too many invalid sign-ins. Give us a call at 1-844-238-1649 and we'll help you sort it out.",
  "creditwise.general.error.ct.260.title" : "Let's get this worked out",
  "creditwise.general.error.ct.276.content" : "It seems that you're already enrolled in SureSwipe with Capital One. If you would like to enable it, please reset your pattern.",
  "creditwise.general.error.ct.276.title" : "Hey, we know you!",
  "creditwise.general.error.ct.281.content" : "For security, choose and answer just a few questions at https://verified.capitalone.com/auth/signin.",
  "creditwise.general.error.ct.281.title" : "Just a few more questions",
  "creditwise.general.error.ct.284.content" : "We're having a hard time sending your username. Give us a call at 1-877-383-4802 and we'll help you sort it out.",
  "creditwise.general.error.ct.284.title" : "Let's get this worked out",
  "creditwise.general.error.ct.285.content" : "We're having a hard time sending your password. Give us a call at 1-877-383-4802 and we'll help you sort it out.",
  "creditwise.general.error.ct.285.title" : "Let's get this worked out",
  "creditwise.general.error.ct.297.content" : "There is an issue while registering your device to receive alerts, please try again in some time.",
  "creditwise.general.error.ct.297.title" : "We're Sorry",
  "creditwise.general.error.ct.298.content" : "There is an issue while updating your device to continue receiving alerts, please try again in some time.",
  "creditwise.general.error.ct.298.title" : "We're Sorry",
  "creditwise.general.error.ct.307.content" : "Looks like the code you entered is invalid. Please try again.",
  "creditwise.general.error.ct.307.title" : "Let's try that again!",
  "creditwise.general.error.ct.308.content" : "Looks like the code you entered has expired. Please request another code.",
  "creditwise.general.error.ct.308.title" : "Let's try that again!",
  "creditwise.general.error.ct.309.content" : "You've maxed out your code requests for today. Try again in 24 hrs or give us a call at 1-877-383-4802.",
  "creditwise.general.error.ct.309.title" : "We want to keep you safe",
  "creditwise.general.error.ct.310.content" : "Your online access has been locked because we detected some suspicious activity. Give us a call at 1-877-383-4802 so we can help you sort this out.",
  "creditwise.general.error.ct.310.title" : "We want to keep you safe",
  "creditwise.general.error.ct.315.content" : "Give us a call at 1-877-383-4802 so we can update your contact details on file.",
  "creditwise.general.error.ct.315.title" : "Let's get this worked out",
  "creditwise.general.error.ct.318.content" : "The password you chose is not eligible, please try again with a different choice.",
  "creditwise.general.error.ct.318.title" : "Let's try that again!",
  "creditwise.general.error.ct.319.content" : "The password you chose is not eligible, please try again with a different choice.",
  "creditwise.general.error.ct.319.title" : "Let's try that again!",
  "creditwise.general.error.ct.320.content" : "The password you chose is not eligible, please try again with a different choice.",
  "creditwise.general.error.ct.320.title" : "Let's try that again!",
  "creditwise.general.error.ct.324.content" : "We don't recognize that information. Give it another try, or if this is your first time using CreditWise, look-up your username on CapitalOne.com.",
  "creditwise.general.error.ct.324.title" : "Was that correct?",
  "creditwise.general.error.ct.334.content" : "Your account has been locked due to a potential security issue with your Capital One account. Give us a call at 1-800-239-7054 and we'll help you sort it out.",
  "creditwise.general.error.ct.334.title" : "Let's get this worked out",
  "creditwise.general.error.ct.335.content" : "Your account has been locked due to a potential security issue with your Capital One account. Give us a call at 1-800-239-7054 and we'll help you sort it out.",
  "creditwise.general.error.ct.335.title" : "Let's get this worked out",
  "creditwise.general.error.ct.336.content" : "For security we've locked your account because of too many invalid sign-ins. Give us a call at 1-844-238-1649 and we'll help you sort it out.",
  "creditwise.general.error.ct.336.title" : "Let's get this worked out",
  "creditwise.general.error.ct.346.content" : "We're having a hard time sending your password. Give us a call at 1-877-383-4802 and we'll help you sort it out.",
  "creditwise.general.error.ct.346.title" : "Let's get this worked out",
  "creditwise.general.error.ct.354.content" : "To continue, you need the latest version of this app from Capital One. Please visit the App Store to download this free upgrade.",
  "creditwise.general.error.ct.354.title" : "Let's get this worked out",
  "creditwise.general.error.ct.393.content" : "This account isn't currently eligible for CreditWise. Please check back soon and try again.",
  "creditwise.general.error.ct.393.title" : "Let's get this worked out",
  "creditwise.general.error.ct.395.content" : "We can't send emails to the address you entered. Please double-check to make sure it's spelled correctly. And FYI: Generic email addresses like info@domain.com can't be used to sign up for CreditWise.",
  "creditwise.general.error.ct.395.title" : "Let's try this again",
  "creditwise.general.error.ct.396.content" : "What's the best email address for us to reach you? CreditWise lets you know whenever there are updates to your TransUnion credit report.",
  "creditwise.general.error.ct.396.title" : "Please confirm your email address",
  "creditwise.general.error.ct.397.content" : "We can't send emails to the address you entered. Please double-check to make sure it's spelled correctly. And FYI: Generic email addresses like info@domain.com can't be used to sign up for CreditWise.",
  "creditwise.general.error.ct.397.title" : "Let's try this again",
  "creditwise.general.error.ct.398.content" : "What's the best email address for us to reach you? CreditWise lets you know whenever there are updates to your TransUnion credit report.",
  "creditwise.general.error.ct.398.title" : "Please confirm your email address",
  "creditwise.general.error.ct.409.content" : "Your online access has been locked because we detected some suspicious activity.",
  "creditwise.general.error.ct.409.title" : "We want to keep you safe",
  "creditwise.general.error.ct.413.content" : "We can't send an email to the address you have on file. Please provide us with a different one and we'll finish getting you signed up with CreditWise.",
  "creditwise.general.error.ct.413.title" : "Please confirm your email address",
  "creditwise.general.error.ct.416.content" : "This email appears on a list of addresses we can't send to anymore (such as info@domain.com, admin@domain.com). Please provide a new email address so we can send you CreditWise emails.",
  "creditwise.general.error.ct.416.title" : "Let's try this again",
  "creditwise.general.error.ct.419.content" : "We can't send an email to the address you have on file. Please provide us with a different one and we'll finish getting you signed up with CreditWise.",
  "creditwise.general.error.ct.419.title" : "Please confirm your email address",
  "creditwise.general.error.ct.422.content" : "We can't send an email to the address you have on file. Please provide us with a different one that you have access to and we'll finish getting you signed up with CreditWise.",
  "creditwise.general.error.ct.422.title" : "Please confirm your email address",
  "creditwise.general.error.ct.425.content" : "We can't send an email to this email address. Please provide us with a different one that you have access to.",
  "creditwise.general.error.ct.425.title" : "Please confirm your email address",
  "creditwise.general.error.ct.426.content" : "This email appears on a list of addresses we can't send to anymore (such as info@domain.com, admin@domain.com). Please check your spelling and try again.",
  "creditwise.general.error.ct.426.title" : "Let's try this again",
  "creditwise.general.error.ct.465.content" : "For security reasons, you'll need to confirm your personal info again to get a new passcode.",
  "creditwise.general.error.ct.465.title" : "Let's get this worked out",
  "creditwise.general.error.ct.466.content" : "Review your enrollment form and try again. Please note that if you're a Capital One customer, you can use your credentials to sign in.",
  "creditwise.general.error.ct.466.title" : "Oops, we hit a snag.",
  "creditwise.general.error.ct.472.content" : "You can access your credit reports for free at www.annualcreditreport.com.",
  "creditwise.general.error.ct.472.title" : "We cannot provide you access to CreditWise.",
  "creditwise.general.error.ct.474.content" : "Sorry!",
  "creditwise.general.error.ct.474.title" : "We ran into a snag",
  "creditwise.general.error.ct.477.content" : "Please enter a valid e-mail address.",
  "creditwise.general.error.ct.477.title" : "Let's try that again!",
  "creditwise.general.error.ct.490.content" : "We're unable to enroll you in CreditWise because we need to verify some of your existing account info. Give us a call at 1-877-383-4802 and we'll sort it out.",
  "creditwise.general.error.ct.490.title" : "Looks like we need to fix something",
  "creditwise.general.error.ct.501.content" : "We don't recognize some of your information. Please give us a call at 1-877-383-4802.",
  "creditwise.general.error.ct.501.title" : "Let's get this worked out",
  "creditwise.general.error.ct.502.content" : "We're unable to enroll you in CreditWise because we need to verify some of your existing account info. Give us a call at 1-877-383-4802 and we'll sort it out.",
  "creditwise.general.error.ct.502.title" : "Looks like we need to fix something",
  "creditwise.general.error.ct.505.content" : "For security, please re-enter your username and password.",
  "creditwise.general.error.ct.505.title" : "Let's try that again!",
  "creditwise.general.error.ct.514.content" : "Please enter your primary US mobile or home phone number.",
  "creditwise.general.error.ct.514.title" : "Let's try this again",
  "creditwise.general.error.ct.515.content" : "This number is currently opted in to receive alerts for a different customer account.\n\nIf this is your mobile number and you have your mobile phone in hand, please text STOP to 227898.  (Msg and data rates may apply). Please note that texting STOP will unenroll this mobile number from any existing Capital One text alerts.\n\nOnce completed, please sign back into CreditWise to enter your primary US mobile or home phone number.\n\nIf you experience any other issues, please contact us at 1-877-383-4802 and ask to speak with a CreditWise agent.",
  "creditwise.general.error.ct.515.title" : "Let's try this again",
  "creditwise.general.error.ct.524.content" : "Unfortunately, ITINs, Tax IDs, and EINs cannot be used to enroll in CreditWise. For instructions on how to request a free copy of your credit report using an ITIN please contact the consumer credit reporting companies. TransUnion 1-800-916-8800, Experian 1-888-397-3742, Equifax 1-866-349-5191.",
  "creditwise.general.error.ct.524.title" : "We're Sorry",
  "creditwise.general.error.ct.533.content" : "To continue, you need the enhanced mobile app from Capital One. Please visit the App Store to download this free upgrade.",
  "creditwise.general.error.ct.533.title" : "Please Upgrade",
  "creditwise.general.error.ct.548.content" : "We cannot provide you access to CreditWise at this time. Please feel free to check back periodically. You can access your credit reports for free at www.annualcreditreport.com.",
  "creditwise.general.error.ct.548.title" : "We're Sorry",
  "creditwise.general.error.ct.558.content" : "We cannot provide you access to CreditWise at this time. Please feel free to check back periodically. Thank you for your patience and interest in CreditWise.",
  "creditwise.general.error.ct.558.title" : "We're Sorry",
  "creditwise.general.error.default.content" : "We ran into a snag, but we're fixing it now. Try again in a bit.",
  "creditwise.general.error.default.title" : "Looks like we need to fix something",
  "creditwise.general.error.tu.0.content" : "You don't seem to have enough activity for us to generate a credit score. Check back regularly to see if anything has changed.",
  "creditwise.general.error.tu.0.title" : "Looks like you're still establishing your credit",
  "creditwise.general.error.tu.103.content" : "We are having a hard time getting your info from TransUnion, please call them at 1-844-759-3863 to get it sorted out.",
  "creditwise.general.error.tu.103.title" : "Let's get this worked out",
  "creditwise.general.error.tu.104.content" : "We are having a hard time getting your info from TransUnion, please call them at 1-844-759-3863 to get it sorted out.",
  "creditwise.general.error.tu.104.title" : "Let's get this worked out",
  "creditwise.general.error.tu.120.content" : "Review your enrollment form and try again. Please note that if you're new to credit, TransUnion may not have enough information for you on file to create a credit score. If you think this is inaccurate, please call TransUnion at 1-844-759-3863.",
  "creditwise.general.error.tu.120.title" : "Oops, we hit a snag.",
  "creditwise.general.error.tu.128.content" : "We don't recognize some of your information. Please give us a call at 1-877-383-4802.",
  "creditwise.general.error.tu.128.title" : "Let's get this worked out",
  "creditwise.general.error.tu.221.content" : "To continue enrolling in CreditWise, simply sign in using your Capital One username and password.",
  "creditwise.general.error.tu.221.title" : "It looks like you have a Capital One Account",
  "creditwise.general.error.tu.30.content" : "You have to be 18 or older to take advantage of CreditWise. If you are, please call us at 1-877-383-4802.",
  "creditwise.general.error.tu.30.title" : "Looks like you are underage",
  "creditwise.general.error.tu.315.content" : "Review your enrollment form and try again. Please note that if you're new to credit, TransUnion may not have enough information for you on file to create a credit score. If you think this is inaccurate, please call TransUnion at 1-844-759-3863.",
  "creditwise.general.error.tu.315.title" : "Oops, we hit a snag.",
  "creditwise.general.error.tu.416.content" : "We couldn't verify your identity based on the answers you provided. So unfortunately, you won't be able to use CreditWise.",
  "creditwise.general.error.tu.416.title" : "For your security",
  "creditwise.general.error.tu.420.content" : "We are having a hard time getting your info. Make sure your information is correct and try again.",
  "creditwise.general.error.tu.420.title" : "Let's get this worked out",
  "creditwise.general.error.tu.437.content" : "Something went wrong, but it should be working now. Give it another try.",
  "creditwise.general.error.tu.437.title" : "Let's try that again",
  "creditwise.general.error.tu.44.content" : "Review your enrollment form and try again. Please note that if you're new to credit, TransUnion may not have enough information for you on file to create a credit score. If you think this is inaccurate, please call TransUnion at 1-844-759-3863.",
  "creditwise.general.error.tu.44.title" : "Oops, we hit a snag.",
  "creditwise.general.error.tu.45.content" : "There is a \"deceased indicator\" on your TransUnion credit file. This means the Social Security number that you provided has been reported by the Social Security Administration or a lender as \"Deceased\". To fix this, you will need to call TransUnion at 1-844-759-3863 to get more information.",
  "creditwise.general.error.tu.45.title" : "We can't retrieve your credit info from TransUnion",
  "creditwise.general.error.tu.450.content" : "Due to suspicious activity associated with this CreditWise profile, we have locked this account.",
  "creditwise.general.error.tu.450.title" : "For your security",
  "creditwise.general.error.tu.47.content" : "We are having a hard time getting your info from TransUnion, please call them at 1-844-759-3863 to get it sorted out.",
  "creditwise.general.error.tu.47.title" : "Let's get this worked out",
  "creditwise.general.error.tu.48.content" : "We don't recognize some of your information. Please give us a call at 1-877-383-4802.",
  "creditwise.general.error.tu.48.title" : "Let's get this worked out",
  "creditwise.general.error.tu.49.content" : "We noticed you have a security freeze on your credit report. You can still use CreditWise as the freeze allows you to get your credit report from TransUnion. If you don't think this is right, give TransUnion a call at 1-844-759-3863 to get it sorted out.",
  "creditwise.general.error.tu.49.title" : "For your eyes only!",
  "creditwise.general.error.tu.528.content" : "Review your enrollment form and try again. Please note that if you're new to credit, TransUnion may not have enough information for you on file to create a credit score. If you think this is inaccurate, please call TransUnion at 1-844-759-3863.",
  "creditwise.general.error.tu.528.title" : "Oops, we hit a snag.",
  "creditwise.general.error.tu.80.content" : "You already have an account. Retrieve your username and password.",
  "creditwise.general.error.tu.80.title" : "Hey - we know you!",
  "creditwise.general.error.tu.91.content" : "We don't recognize some of your information. Please give us a call at 1-877-383-4802.",
  "creditwise.general.error.tu.91.title" : "Let's get this worked out",
  "creditwise.general.error.tu.nohit.content" : "We are having a hard time getting your info. Make sure your information is correct and try again.",
  "creditwise.general.error.tu.nohit.title" : "Let's get this worked out.",
  "creditwise.general.experian.credit.delinquent.summary" : "A lender reported that you did not pay them on time and the account is now 30, 60, or 90 (or more) days late.",
  "creditwise.general.experian.credit.delinquent.title" : "Delinquent Account",
  "creditwise.general.experian.credit.majorderogatory.summary" : "A lender or service provider reported that this account was flagged with a derogatory mark.",
  "creditwise.general.experian.credit.majorderogatory.title" : "Derogatory Account",
  "creditwise.general.experian.credit.newinquiry.summary" : "A potential creditor, employer or service provider reported that they pulled a copy of your credit file because you applied for credit, services or employment with them.",
  "creditwise.general.experian.credit.newinquiry.title" : "New Inquiry",
  "creditwise.general.experian.credit.newtrade.summary" : "This account was recently opened in your name.",
  "creditwise.general.experian.credit.newtrade.title" : "New Account",
  "creditwise.general.experian.credit.service.display" : "Credit Alert",
  "creditwise.general.experian.cyber.category.account" : "Online Account Information",
  "creditwise.general.experian.cyber.category.bank" : "Bank Information",
  "creditwise.general.experian.cyber.category.breach" : "Breach Information",
  "creditwise.general.experian.cyber.category.card" : "Card Information",
  "creditwise.general.experian.cyber.category.contact" : "Contact Information",
  "creditwise.general.experian.cyber.category.email" : "Email Information",
  "creditwise.general.experian.cyber.category.identity" : "Identity Information",
  "creditwise.general.experian.cyber.category.medical" : "Medical Information",
  "creditwise.general.experian.cyber.default.summary" : "Your information has been found compromised on the dark web. Additional information associated with this compromised is shown below. Visit the \"See Something Wrong?\" section below for recommendations on what to do next.",
  "creditwise.general.experian.cyber.default.title" : "Compromised Information",
  "creditwise.general.experian.cyber.emailaddress.summary" : "Your email has been exposed on the dark web. Don't worry, we'll help you get through this. Before you take action, be sure to review all the information below.",
  "creditwise.general.experian.cyber.emailaddress.title" : "Compromised Email Address",
  "creditwise.general.experian.cyber.label.bankaccountnumber" : "Bank Account Number",
  "creditwise.general.experian.cyber.label.bankname" : "Bank Name",
  "creditwise.general.experian.cyber.label.bankpassword" : "Online Bank Password",
  "creditwise.general.experian.cyber.label.bankphonenumber" : "Bank Phone Number",
  "creditwise.general.experian.cyber.label.bankpin" : "Bank PIN",
  "creditwise.general.experian.cyber.label.bankroutingnumber" : "Bank Routing Number",
  "creditwise.general.experian.cyber.label.bankuserid" : "Online Bank ID",
  "creditwise.general.experian.cyber.label.breachedsector" : "Breached Sector",
  "creditwise.general.experian.cyber.label.breachedsite" : "Breached Site",
  "creditwise.general.experian.cyber.label.breachedsitecountry" : "Breached Site Country",
  "creditwise.general.experian.cyber.label.cardaddress" : "Card Holder Address",
  "creditwise.general.experian.cyber.label.cardcvn" : "Card CVN",
  "creditwise.general.experian.cyber.label.cardexpirationdate" : "Card Expiration Date",
  "creditwise.general.experian.cyber.label.cardname" : "Name of Card Holder",
  "creditwise.general.experian.cyber.label.cardnumber" : "Card ending in",
  "creditwise.general.experian.cyber.label.cardpin" : "Card Pin",
  "creditwise.general.experian.cyber.label.cardtype" : "Card Type",
  "creditwise.general.experian.cyber.label.compromisetype" : "Compromise Type",
  "creditwise.general.experian.cyber.label.creationdate" : "Date Found",
  "creditwise.general.experian.cyber.label.dob" : "Date of Birth",
  "creditwise.general.experian.cyber.label.driverslicensenumber" : "Drivers License Number",
  "creditwise.general.experian.cyber.label.driverslicensestate" : "Drivers License Issue State",
  "creditwise.general.experian.cyber.label.ebaypassword" : "Ebay Password",
  "creditwise.general.experian.cyber.label.ebayuserid" : "Ebay ID",
  "creditwise.general.experian.cyber.label.emailaddress" : "Email Address",
  "creditwise.general.experian.cyber.label.firstname" : "First Name",
  "creditwise.general.experian.cyber.label.hacker" : "Hacker Responsible",
  "creditwise.general.experian.cyber.label.hackergroup" : "Hacker Group",
  "creditwise.general.experian.cyber.label.hackingoperation" : "Hacking Operation",
  "creditwise.general.experian.cyber.label.iban" : "International Bank Account Number",
  "creditwise.general.experian.cyber.label.lastname" : "Last Name",
  "creditwise.general.experian.cyber.label.medicalid" : "Medical ID Number",
  "creditwise.general.experian.cyber.label.medicalprovider" : "Medical Provider",
  "creditwise.general.experian.cyber.label.middlename" : "Middle Name",
  "creditwise.general.experian.cyber.label.mothersmaidenname" : "Mother's Maiden Name",
  "creditwise.general.experian.cyber.label.motivation" : "Motivation",
  "creditwise.general.experian.cyber.label.nationalcountry" : "National ID Country",
  "creditwise.general.experian.cyber.label.nationalid" : "National ID",
  "creditwise.general.experian.cyber.label.passportcountry" : "Passport Country",
  "creditwise.general.experian.cyber.label.passportexpirationdate" : "Passport Expiration Date",
  "creditwise.general.experian.cyber.label.passportissuedate" : "Passport Issue Date",
  "creditwise.general.experian.cyber.label.passportnumber" : "Passport Number",
  "creditwise.general.experian.cyber.label.password" : "Password",
  "creditwise.general.experian.cyber.label.passwordstatus" : "Password Status",
  "creditwise.general.experian.cyber.label.paypalpassword" : "PayPal Password",
  "creditwise.general.experian.cyber.label.paypaluserid" : "PayPal ID",
  "creditwise.general.experian.cyber.label.phishedkeyloggedsite" : "Phished Logged Site",
  "creditwise.general.experian.cyber.label.phone" : "Phone Number",
  "creditwise.general.experian.cyber.label.phone1" : "Phone Number 2",
  "creditwise.general.experian.cyber.label.phone2" : "Phone Number 3",
  "creditwise.general.experian.cyber.label.phone3" : "Phone Number 4",
  "creditwise.general.experian.cyber.label.retailcardnumber" : "Retail Card ending in",
  "creditwise.general.experian.cyber.label.severity" : "Breach Severity",
  "creditwise.general.experian.cyber.label.site" : "Breached Site Address",
  "creditwise.general.experian.cyber.label.sourcecategory" : "Source of Compromise",
  "creditwise.general.experian.cyber.label.sourcedate" : "Date of Source",
  "creditwise.general.experian.cyber.label.ssn" : "SSN",
  "creditwise.general.experian.cyber.label.subscriberaddress" : "Address",
  "creditwise.general.experian.cyber.label.updatedate" : "Record Update Date",
  "creditwise.general.experian.cyber.label.userid" : "User ID",
  "creditwise.general.experian.cyber.service.display" : "Dark Web Alert",
  "creditwise.general.experian.cyber.ssn.summary" : "Your SSN has been exposed on the dark web. Don't worry, we'll help you work through this. Before you take action, be sure to review all the information below.",
  "creditwise.general.experian.cyber.ssn.title" : "Compromised SSN",
  "creditwise.general.experian.ssntrace.address.summary" : "We detected your SSN was used with an address to apply for credit, services, or employment. If you recognize the address in this alert, no action is required.",
  "creditwise.general.experian.ssntrace.address.title" : "Associated Address",
  "creditwise.general.experian.ssntrace.alias.summary" : "We detected your SSN was used with a name to apply for credit, services, or employment. If you recognize the name in this alert, no action is required.",
  "creditwise.general.experian.ssntrace.alias.title" : "Associated Name",
  "creditwise.general.experian.ssntrace.default.subtitle" : "New Information Reported",
  "creditwise.general.experian.ssntrace.default.summary" : "We detected your SSN was used with a name and address to apply for credit, services, or employment. If you recognize the name and address in this alert, no action is required.",
  "creditwise.general.experian.ssntrace.default.title" : "Associated Information",
  "creditwise.general.experian.ssntrace.service.display" : "SSN Tracker Alert",
  "creditwise.general.fallbackdataservice.body.refreshavailable" : "We hit a snag and couldn't update your credit info or alerts. We're showing you your info as of {}. Try again in a bit.",
  "creditwise.general.fallbackdataservice.body.refreshnotavailable" : "We hit a snag and your credit alerts might not be up to date. We're fixing it now. Try again in a bit.",
  "creditwise.general.fallbackdataservice.title.refreshavailable" : "Looks like we need to fix something",
  "creditwise.general.fallbackdataservice.title.refreshnotavailable" : "Looks like we need to fix something",
  "creditwise.general.fullcreditreport.accountgroup.description.autoloans" : "Auto Loans",
  "creditwise.general.fullcreditreport.accountgroup.description.creditcards" : "Credit Cards",
  "creditwise.general.fullcreditreport.accountgroup.description.other" : "Other",
  "creditwise.general.fullcreditreport.accountgroup.description.personalloans" : "Personal Loans",
  "creditwise.general.fullcreditreport.accountgroup.description.realestate" : "Real Estate",
  "creditwise.general.fullcreditreport.emoji" : "\uD83D\uDCA5\uD83D\uDD25⚡️",
  "creditwise.general.fullcreditreport.notprovided" : "Not Provided",
  "creditwise.general.fullcreditreport.notreported" : "Not Reported",
  "creditwise.general.fullcreditreport.summary.1closedaccount" : "You have 1 closed account.",
  "creditwise.general.fullcreditreport.summary.1openaccount" : "You have 1 open account.",
  "creditwise.general.fullcreditreport.summary.1openandclosedaccount" : "You have 1 open and 1 closed account.",
  "creditwise.general.fullcreditreport.summary.multipleclosedaccounts" : "You have {} closed accounts.",
  "creditwise.general.fullcreditreport.summary.multipleopenaccounts" : "You have {} open accounts.",
  "creditwise.general.fullcreditreport.summary.multipleopenandclosedaccounts" : "You have a total of {} accounts, {} of them are open, and {} of them are closed.",
  "creditwise.general.fullcreditreport.summary.multipleopenoneclosedaccount" : "You have a total of {} accounts, {} of them are open, and {} of them is closed.",
  "creditwise.general.fullcreditreport.summary.noaccounts" : "You don't have any open accounts.",
  "creditwise.general.fullcreditreport.summary.oneopenmultipleclosedaccounts" : "You have a total of {} accounts, {} of them is open, and {} of them are closed.",
  "creditwise.general.fullcreditreport.supplementalsummary.creditornamedefault" : "Lender Not Reported",
  "creditwise.general.fullcreditreport.supplementalsummary.disputedaccount" : "Account Disputed",
  "creditwise.general.fullcreditreport.tradetypes.description.collection" : "CollectionTrade",
  "creditwise.general.fullcreditreport.tradetypes.description.granted" : "GrantedTrade",
  "creditwise.general.fullcreditreport.tradetypes.description.watch" : "WatchTrade",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountagedescription" : "This is how long your account has been reported as open.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountconditioncloseddescription" : "A closed account means that it is no longer active and has been closed by either you or the issuer. This typically happens when you've finished making payments on a loan, or when a lender closes your credit card because you never use it.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountconditionderogatorydescription" : "The term \"derogatory\" means that this account is in a negative status and will likely hurt your ability to qualify for credit or other services.\n It usually refers to late payments, but could also include other information that indicates credit risk, such as settling a debt and not paying it in full, collections accounts, bankruptcies, tax liens, etc.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountconditionopendescription" : "The account is currently active and you're required to pay the minimum amount on an on-going basis.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountconditionpaiddescription" : "This account has been paid off.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountconditionrefinanceddescription" : "This means that the original terms of the account have changed - either it was closed and re-opened, or the terms have changed on the loan. An example of this would be if you negotiated down your mortgage rate from a higher percentage, it would be considered refinanced.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountconditiontransferreddescription" : "This amount was either sold or moved to another lender. You should see those account details listed separately from this one on your credit report.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.authuserdesc" : "This account is in someone else's name, but you're authorized to use it. You're not ultimately responsible for paying this account.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.comakerdesc" : "You are responsible for this account if the owner of the account defaults.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.deceaseddesc" : "The account holder was reported as deceased.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.individualdesc" : "You are responsible for this account.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.jointdesc" : "You share this account with someone else. You and the other account holder are responsible for repayment of the account.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.makerdesc" : "You are the primary holder of the account, although someone else could have responsibility in case you default.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.responsibilitydesc" : "You are responsible for this account only if the owner defaults.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.shareddesc" : "You share responsibilites for this account with others.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.terminateddesc" : "Your relationship with this account has ended.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountdesignator.undesignateddesc" : "There is no reported designated person responsible for this account. Please contact your lender for more details.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accountnumberdescription" : "For security reasons, sometimes lenders will provide a unique identifier that differs from your account number in credit reporting. Don't worry if the number doesn't match the number on your credit card but make sure that you review the account details for errors and signs of theft.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.accounttypedescription" : "Types of accounts include credit cards, home loans, or anything that carries a balance that you can pay over time.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.amountpastduedescription" : "The amount that is 30 days or more past due on this account. Includes late charges and fees, if applicable. Just a heads up - since it takes time for TransUnion to receive the latest info from your lender and update it, recent payments or transactions might not be reflected here yet.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.availablecreditdescription" : "The amount you have available to borrow on this account, as of the most recent date reported. This figure is your credit limit minus the amount you owe on it. For example, if you have a $1,000 credit limit and you owe $200, your available credit would be $800.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.collateraldescription" : "This is something that you own that was used to secure a loan. If you don't pay off the loan, the lender may take ownership of it. For example, you offer your car as collateral in order to get an auto loan, if the loan isn't repaid, you could have your car taken by the lender to serve as payment.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.creditlimitdescription" : "The maximum amount you can borrow on this account.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.creditutilizationdescription" : "The percentage of credit you've used on this account. This is calculated by dividing your current balance by your total credit limit. For example, if you have a balance of $300 and your credit limit is $1,000, your credit utilization is 30%.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.dateclosededdescription" : "The date this account was closed.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.datelastpaymentdescription" : "The date of your most recent payment that has been reported to TransUnion.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.dateopeneddescription" : "The date this account was first opened.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.datereporteddescription" : "This is the date your account activity was reported from your lender to TransUnion. Activities include payments, credit card statements being issued, etc. There are two important things to know here:\n1) Your most recent activity might not be showing up since TransUnion takes some time to update.\n2) Since this is only the date reported, it won't necessarily match the exact date you did something. For example, if you made a payment on May 15, the date reported might say May 19.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.disputedisplay" : "Account Disputed",
  "creditwise.general.fullcreditreport.transformedaccountdetails.highbalancedescription" : "The highest balance previously reported on this account.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.monthlypaymentdescriptioninstallment" : "The scheduled monthly payment, as reported by your lender.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.monthlypaymentdescriptionlineofcredit" : "Monthly minimum amount due based on your balance, this generally doesn't include past due amounts.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.monthlypaymentdescriptionmortgage" : "Your regular monthly payment, including the principal, interest, and escrow.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.monthlypaymentdescriptionother" : "Regular monthly payment.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.monthlypaymentdescriptionrevolving" : "Monthly minimum amount due based on balance, this generally doesn't include past due amounts.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.notoriginallender.dateopeneddescription" : "Date that this account was purchased by the debt buyer or when it was assigned to a third party collection agency.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.ontimepaymentdescription" : "This is how often you've paid your account on time over the past 48 months. This could be shorter depending on the age of your account and the reporting performance on the account.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.originalcreditordescription" : "The lender who originally granted the credit/loan.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.originalloanbalancedescription" : "Original amount of the loan, excluding interest payments.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paymentfrequencydescription" : "How often payments are due on this account.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscode120late" : "120",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscode150late" : "150+",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscode180late" : "150+",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscode30late" : "30",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscode60late" : "60",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscode90late" : "90",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscodecollectionchargeoff" : "C/C",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscodecurrent" : "C",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscodedefault" : "NR",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscodepaymentplan" : "PP",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscodereposession" : "R/F",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatuscodetoonew" : "TN",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescription120late" : "This account is 120-149 days past the due date.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescription150late" : "This account is 150 or more days past the due date.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescription180late" : "This account is 150 or more days past the due date.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescription30late" : "This account is 30-59 days past the due date.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescription60late" : "This account is 60-89 days past the due date.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescription90late" : "This account is 90-119 days past the due date.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescriptioncollectionchargeoff" : "Your account has most likely been turned over to a collection agency, who then works to collect what's owed.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescriptioncurrent" : "This account has been reported as current, meaning most likely all payments are up to date. We say \"most likely\" because if you're late making a payment, companies may not tell the bureaus that you're delinquent until you're more than 29 days late.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescriptiondefault" : "The payment status on this account hasn't been provided to CreditWise.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescriptionpaymentplan" : "Your account is on a custom payment plan with the issuer. These are typically set up between issuers and customers to help customers pay down the loan instead of continuing to miss payments or potentially defaulting on it altogether.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescriptionreposession" : "Your account, due to its negative status, is in Repossession or Foreclosure. This can happen with loans with collateral, such as an auto loan or a mortgage.",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdescriptiontoonew" : "Too New to Rate",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplay120late" : "120 Days Late",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplay150late" : "150 Days Late",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplay180late" : "150 Days Late",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplay30late" : "30 Days Late",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplay60late" : "60 Days Late",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplay90late" : "90 Days Late",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplaycollectionchargeoff" : "Collection/Chargeoff",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplaycurrent" : "Current",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplaydefault" : "Not Reported",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplaypaymentplan" : "Payment Plan",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplayreposession" : "Repossession/Foreclosure",
  "creditwise.general.fullcreditreport.transformedaccountdetails.paystatusdisplaytoonew" : "Too New to Rate",
  "creditwise.general.fullcreditreport.transformedaccountdetails.termmonthsdescription" : "The contract length of your loan (in months).",
  "creditwise.general.fullcreditreport.transformedaccountdetails.worstpaystatusdescription" : "This is the latest you've ever been behind on this account.",
  "creditwise.general.fullcreditreport.transformedbankruptcy.courtnumberdescription" : "A unique ID used to identify the court that the bankruptcy was filed in.",
  "creditwise.general.fullcreditreport.transformedbankruptcy.dateresolveddescription" : "The satisfaction date of the bankruptcy.",
  "creditwise.general.fullcreditreport.transformedbankruptcy.divisiondescription" : "The court division.",
  "creditwise.general.fullcreditreport.transformedbankruptcy.exemptdescription" : "The judge determined this amount can't be a part of the bankruptcy court proceedings.",
  "creditwise.general.fullcreditreport.transformedbankruptcy.liabilitydescription" : "Amount that you legally owe the creditor.",
  "creditwise.general.fullcreditreport.transformedbankruptcy.thirdpartyddescription" : "Collectors who are under contract to collect debts for a lender or debt owner; collection agency.",
  "creditwise.general.fullcreditreport.transformedbankruptcy.trusteedescription" : "The person appointed by the court who is responsible for finding funds to pay your bills and who is in charge of distributing those funds back to creditors.",
  "creditwise.general.fullcreditreport.transformedfinancialcounseling.amountdescription" : "A judgment requiring you to attend financial counseling (e.g. a third party debt management counseling or a credit counseling agency).",
  "creditwise.general.fullcreditreport.transformedfinancialcounseling.checkeddescription" : "Date your record was last checked.",
  "creditwise.general.fullcreditreport.transformedfinancialcounseling.settleddescription" : "When your obligation was settled.",
  "creditwise.general.fullcreditreport.transformedforeclosure.datesettleddescription" : "Date when the foreclosure was settled.",
  "creditwise.general.fullcreditreport.transformedforeclosure.liabliitydescription" : "The amount that you are responsible for.",
  "creditwise.general.fullcreditreport.transformedgarnishment.datesatisfieddescription" : "The date that the garnishment judgement was paid or settled. This is reported by the creditor to the court.",
  "creditwise.general.fullcreditreport.transformedgarnishment.garnisheedescriptioncontent" : "A third party (e.g., bank or employer) who is required by a court order to seize a debtor's money or property and turn it over to the creditor to settle a debt.",
  "creditwise.general.fullcreditreport.transformedgarnishment.plaintiffdescription" : "The person or entity who initiated the lawsuit.",
  "creditwise.general.fullcreditreport.transformedinquiry.authorized" : "Authorized or Spouse User",
  "creditwise.general.fullcreditreport.transformedinquiry.authorizeddescription" : "This inquiry indicates that you are an authorized or spouse user on the account, which means that while you are allowed to use the loan, you are not the main point of contact for loan payments. For example, if your spouse applies for a loan as the primary person on the loan, but you are authorized to use the funds as well as a secondary person, you would be an authorized user. So as a result, the lender may request your credit report to make sure they're comfortable with your history as well as that of the primary user.",
  "creditwise.general.fullcreditreport.transformedinquiry.contractuallyliable" : "Contractually Liable",
  "creditwise.general.fullcreditreport.transformedinquiry.contractuallyliabledescription" : "This inquiry type indicates that you are responsible for the loan in case the main person on the loan doesn't pay the bill. For example, if you cosign a car loan with someone else, you are responsible for car payments if the other person doesn't pay the bill, which is why the lender needs to also request your credit report.",
  "creditwise.general.fullcreditreport.transformedinquiry.defaultindustrytype" : "Industry Type Not Reported",
  "creditwise.general.fullcreditreport.transformedinquiry.individual" : "Individual",
  "creditwise.general.fullcreditreport.transformedinquiry.individualdescription" : "This inquiry only applies to you. For example, if you apply for a credit card in your name only, the credit card company would only request your information.",
  "creditwise.general.fullcreditreport.transformedinquiry.participating" : "Participating",
  "creditwise.general.fullcreditreport.transformedinquiry.participatingdescription" : "This inquiry applies to you and others. For example, if you apply for a mortgage with someone else, the bank may request your credit report along with the person applying for the mortgage with you.",
  "creditwise.general.fullcreditreport.transformedlegalitem.actionamountdescription" : "The amount awarded in a court action.",
  "creditwise.general.fullcreditreport.transformedlegalitem.datesatisfieddesscription" : "The date that the legal item was paid or settled. This is reported by the creditor to the court.",
  "creditwise.general.fullcreditreport.transformedlegalitem.lawyerdescription" : "Name of the attorney or the attorney's firm.",
  "creditwise.general.fullcreditreport.transformedlegalitem.plaintiffdescription" : "The person who initiated the lawsuit.",
  "creditwise.general.fullcreditreport.transformedlegalitem.thirdpartydescription" : "Collectors who are under contract to collect debts for a lender or debt owner; collection agency.",
  "creditwise.general.fullcreditreport.transformedpersonalinfo.aliasnamedescription" : "Alias is any other name you've been known by, like a maiden name or variation of your name.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.accountdesignatordescription" : "This indicates your level of responsibility.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.bankruptcydescription" : "A legal filing in court that happens when someone doesn't have enough money to pay back what they owe. This process typically removes responsibility for all or some of the debt.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.counselingdescription" : "A judgment requiring you to attend financial counseling (e.g. a third party debt management counseling or a credit counseling agency).",
  "creditwise.general.fullcreditreport.transformedpublicrecord.courtnamedescription" : "The court or legal agency that has jurisdiction over the record.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.dateupdatedescription" : "When this record was last updated.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.defaultclassification" : "Classification Type Not Reported",
  "creditwise.general.fullcreditreport.transformedpublicrecord.defaulttype" : "Record Type Not Reported",
  "creditwise.general.fullcreditreport.transformedpublicrecord.expirationdescription" : "Date when the record was closed or the judgment awarded.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.foreclosuredescription" : "A record that a mortgaged property has been taken over by a creditor because the loan on it hasn't been paid.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.garnishmentdescription" : "A record that a court ordered to withhold some of your wages in order to repay a debt you owe to a creditor.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.legalitemdescription" : "A general filing in court. Usually, this is a judgment against a person in civil court.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.maritaldescription" : "A legal filing in court related to a marriage.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.miscdescription" : "An uncategorized legal filing.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.nonresponsibilitydescription" : "Your name appeared on a court record, but you don't have any responsibility associated with the record.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.referencenumberdescription" : "Identifying number for the record.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.registereditemdescription" : "Personal property registered in court that may be used as collatoral for a loan.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.statementdescription" : "A document filed in public records to tell third parties or prospective buyers that someone is has secured interest in goods or real property.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.statusdescription" : "The status of this record as of the date last verified.",
  "creditwise.general.fullcreditreport.transformedpublicrecord.taxliendescription" : "A legal claim that a debtor has on the property of a person until a debt has been paid.",
  "creditwise.general.fullcreditreport.transformedregistereditem.datematures" : "Date when a debt is due, such as a debt on a promissory note.",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.deceaseddetails" : "Either a lender or the Social Security Administration has reported you as deceased. To fix this, you'll need to contact the Social Security Office https://www.ssa.gov/agency/contact/ directly and get in touch with TransUnion https://www.transunion.com/customer-support/faqs/credit-disputes",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.deceasedonly" : "You have a deceased indicator on your file.",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.frauddeceased" : "You have a fraud alert and a deceased indicator on your file.",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.frauddetails" : "You've placed a fraud alert on your TransUnion credit report. This means that while your credit report can still be accessed by potential lenders, they may need to contact you for further verification first before actually issuing credit in your name.",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.fraudfreeze" : "You have a fraud alert and security freeze on your file.",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.fraudfreezedeceased" : "You have a fraud alert, security freeze, and deceased indicator on your file.",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.fraudonly" : "You have a fraud alert on your file.",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.freezedeceased" : "You have a security freeze and deceased indicator on your file.",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.freezedetails" : "You have placed a security freeze or lock on your TransUnion credit file. You can still get a copy of your credit report, but if you want to apply for a new account you may need to contact TransUnion https://www.transunion.com/credit-freeze/place-credit-freeze and ask them to remove the freeze. ",
  "creditwise.general.fullcreditreport.transformedsecuritysummary.freezeonly" : "You have a security freeze on your file.",
  "creditwise.general.fullcreditreport.transformedsubscriber.creditornamedescription" : "This is the lender name as it may appear on your TransUnion credit report.",
  "creditwise.general.fullcreditreport.transformedtaxlien.amountdescription" : "The amount of unpaid taxes that the government is requiring you to pay.",
  "creditwise.general.fullcreditreport.transformedtaxlien.datereleaseddescription" : "When you paid off the lien.",
  "creditwise.general.scorechange.ageofoldestcreditline.decrease.plural" : "Your oldest account is no longer open. Generally, keeping the oldest account open can help your score.",
  "creditwise.general.scorechange.ageofoldestcreditline.decrease.singular" : "Your oldest account is no longer open. Generally, keeping the oldest account open can help your score.",
  "creditwise.general.scorechange.ageofoldestcreditline.increase.plural" : "Your oldest account has now been open for {} years.",
  "creditwise.general.scorechange.ageofoldestcreditline.increase.singular" : "Your oldest account has now been open for {} year.",
  "creditwise.general.scorechange.ageofoldestcreditline.title" : "Age of Oldest Account",
  "creditwise.general.scorechange.availablecreditamount.decrease.plural" : "Your available credit decreased, from {} to {}.",
  "creditwise.general.scorechange.availablecreditamount.decrease.singular" : "Your available credit decreased, from {} to {}.",
  "creditwise.general.scorechange.availablecreditamount.increase.plural" : "Your available credit increased, from {} to {}.",
  "creditwise.general.scorechange.availablecreditamount.increase.singular" : "Your available credit increased, from {} to {}.",
  "creditwise.general.scorechange.availablecreditamount.title" : "Available Credit",
  "creditwise.general.scorechange.creditutilizationpercentage.decrease.plural" : "The percentage of available credit that you're using decreased, from {} to {}.",
  "creditwise.general.scorechange.creditutilizationpercentage.decrease.singular" : "The percentage of available credit that you're using decreased, from {} to {}.",
  "creditwise.general.scorechange.creditutilizationpercentage.increase.plural" : "The percentage of available credit that you're using increased, from {} to {}.",
  "creditwise.general.scorechange.creditutilizationpercentage.increase.singular" : "The percentage of available credit that you're using increased, from {} to {}.",
  "creditwise.general.scorechange.creditutilizationpercentage.title" : "Credit Used",
  "creditwise.general.scorechange.delinquentaccountscount.decrease.plural" : "{} delinquent accounts are no longer on your credit report.",
  "creditwise.general.scorechange.delinquentaccountscount.decrease.singular" : "{} delinquent account is no longer on your credit report.",
  "creditwise.general.scorechange.delinquentaccountscount.increase.plural" : "The total number of accounts with missed payments increased by {}.",
  "creditwise.general.scorechange.delinquentaccountscount.increase.singular" : "The total number of accounts with missed payments increased by {}.",
  "creditwise.general.scorechange.delinquentaccountscount.title" : "Delinquent Accounts",
  "creditwise.general.scorechange.derogatoryaccountscount.decrease.plural" : "{} derogatory accounts are no longer on your credit report. Some examples of derogatory accounts are late payments, accounts in collections, and/or bankruptcies.",
  "creditwise.general.scorechange.derogatoryaccountscount.decrease.singular" : "{} derogatory account is no longer on your credit report. Some examples of derogatory accounts are late payments, collections accounts, and/or bankruptcies.",
  "creditwise.general.scorechange.derogatoryaccountscount.increase.plural" : "The total number of derogatory accounts increased by {}. Some examples of derogatory accounts are late payments, accounts in collections, and/or bankruptcies.",
  "creditwise.general.scorechange.derogatoryaccountscount.increase.singular" : "The total number of derogatory accounts increased by {}. Some examples of derogatory accounts are late payments, collections accounts, and/or bankruptcies.",
  "creditwise.general.scorechange.derogatoryaccountscount.title" : "Derogatory Accounts",
  "creditwise.general.scorechange.disputedaccountscount.plural" : "You have {} disputed accounts. TransUnion is currently investigating the info associated with the accounts. Generally, during the investigation, the accounts won't be factored into your score, but they could be, once the disputes are resolved.",
  "creditwise.general.scorechange.disputedaccountscount.singular" : "You have {} disputed account. TransUnion is currently investigating the info associated with the account. Generally, during the investigation, the account won't be factored into your score, but it could be, once the dispute is resolved.",
  "creditwise.general.scorechange.disputedaccountscount.title" : "Disputed Accounts",
  "creditwise.general.scorechange.fico.disclaimer" : "With the exception of the FICO Score 8, the educational content shown on this page is a summary of recent changes on your TransUnion credit report. The positive and negative factors shown here may differ from the factors and data that FICO considers when calculating your FICO Score 8.",
  "creditwise.general.scorechange.fico.recentinquirycount.decrease.plural" : "{} recent inquiries are no longer on your credit report. \"Recent\" means it occurred within the past 1 year.",
  "creditwise.general.scorechange.fico.recentinquirycount.decrease.singular" : "{} recent inquiry is no longer on your credit report. \"Recent\" means it occurred within the past 1 year.",
  "creditwise.general.scorechange.fico.recentinquirycount.increase.plural" : "Businesses or lenders recently accessed your credit report {} times. This could be because you applied for a loan, job, and/or housing, etc.",
  "creditwise.general.scorechange.fico.recentinquirycount.increase.singular" : "{} business or lender recently accessed your credit report. This could be because you applied for a loan, job, and/or housing, etc.",
  "creditwise.general.scorechange.intro.body.decrease.plural" : "Your score has decreased by {} points since {}.",
  "creditwise.general.scorechange.intro.body.decrease.singular" : "Your score has decreased by {} point since {}.",
  "creditwise.general.scorechange.intro.body.fico.decrease.plural" : "Your FICO® Score decreased by {} points since {}.",
  "creditwise.general.scorechange.intro.body.fico.decrease.singular" : "Your FICO® Score decreased by {} point since {}.",
  "creditwise.general.scorechange.intro.body.fico.increase.plural" : "Your FICO® Score increased by {} points since {}.",
  "creditwise.general.scorechange.intro.body.fico.increase.singular" : "Your FICO® Score increased by {} point since {}.",
  "creditwise.general.scorechange.intro.body.increase.plural" : "Your score has increased by {} points since {}.",
  "creditwise.general.scorechange.intro.body.increase.singular" : "Your score has increased by {} point since {}.",
  "creditwise.general.scorechange.paymenthistoryontimepayments.decrease.plural" : "Your on-time payments percentage went down from {} to {}. This happens when you miss payment due dates.",
  "creditwise.general.scorechange.paymenthistoryontimepayments.decrease.singular" : "Your on-time payments percentage went down from {} to {}. This happens when you miss payment due dates.",
  "creditwise.general.scorechange.paymenthistoryontimepayments.increase.plural" : "Your on-time payments percentage improved from {} to {}.",
  "creditwise.general.scorechange.paymenthistoryontimepayments.increase.singular" : "Your on-time payments percentage improved from {} to {}.",
  "creditwise.general.scorechange.paymenthistoryontimepayments.title" : "On-Time Payments",
  "creditwise.general.scorechange.publicrecordscount.decrease.plural" : "{} public records are no longer on your credit report. Some examples of public records are civil judgments and bankruptcies.",
  "creditwise.general.scorechange.publicrecordscount.decrease.singular" : "{} public record is no longer on your credit report. Some examples of public records are civil judgments and bankruptcies.",
  "creditwise.general.scorechange.publicrecordscount.increase.plural" : "The total number of public records increased by {}. Some examples of public records are civil judgments and bankruptcies.",
  "creditwise.general.scorechange.publicrecordscount.increase.singular" : "The total number of public records increased by {}. Some examples of public records are civil judgments and bankruptcies.",
  "creditwise.general.scorechange.publicrecordscount.title" : "Public Records",
  "creditwise.general.scorechange.recentinquirycount.decrease.plural" : "{} recent inquiries are no longer on your credit report. \"Recent\" means it occurred within the past 12 months.",
  "creditwise.general.scorechange.recentinquirycount.decrease.singular" : "{} recent inquiry is no longer on your credit report. \"Recent\" means it occurred within the past 12 months.",
  "creditwise.general.scorechange.recentinquirycount.increase.plural" : "Businesses or lenders recently accessed your credit report {} times. This could be because you applied for a loan, job, and/or housing, etc.",
  "creditwise.general.scorechange.recentinquirycount.increase.singular" : "{} business or lender recently accessed your credit report. This could be because you applied for a loan, job, and/or housing, etc.",
  "creditwise.general.scorechange.recentinquirycount.title" : "Recent Inquiries",
  "creditwise.general.scorechange.recenttradelinesopenedcount.decrease.plural" : "{} of your accounts are no longer considered \"new\". This means the accounts have been open for more than 12 months.",
  "creditwise.general.scorechange.recenttradelinesopenedcount.decrease.singular" : "{} of your accounts is no longer considered \"new\". This means the account has been open for more than 12 months.",
  "creditwise.general.scorechange.recenttradelinesopenedcount.increase.plural" : "You've opened {} new accounts recently. They'll show up under \"New Accounts\" for 12 months.",
  "creditwise.general.scorechange.recenttradelinesopenedcount.increase.singular" : "You've opened {} new account recently. It'll show up under \"New Accounts\" for 12 months.",
  "creditwise.general.scorechange.recenttradelinesopenedcount.title" : "New Accounts",
  "creditwise.general.scorechange.short.ageofoldestcreditline.decrease.plural" : "Your oldest account is no longer open.",
  "creditwise.general.scorechange.short.ageofoldestcreditline.decrease.singular" : "Your oldest account is no longer open.",
  "creditwise.general.scorechange.short.ageofoldestcreditline.increase.plural" : "Your oldest account has now been open for {} years.",
  "creditwise.general.scorechange.short.ageofoldestcreditline.increase.singular" : "Your oldest account has now been open for {} year.",
  "creditwise.general.scorechange.short.availablecreditamount.decrease.plural" : "Your available credit decreased, from {} to {}.",
  "creditwise.general.scorechange.short.availablecreditamount.decrease.singular" : "Your available credit decreased, from {} to {}.",
  "creditwise.general.scorechange.short.availablecreditamount.increase.plural" : "Your available credit increased, from {} to {}.",
  "creditwise.general.scorechange.short.availablecreditamount.increase.singular" : "Your available credit increased, from {} to {}.",
  "creditwise.general.scorechange.short.creditutilizationpercentage.decrease.plural" : "The percentage of available credit that you're using decreased, from {} to {}.",
  "creditwise.general.scorechange.short.creditutilizationpercentage.decrease.singular" : "The percentage of available credit that you're using decreased, from {} to {}.",
  "creditwise.general.scorechange.short.creditutilizationpercentage.increase.plural" : "The percentage of available credit that you're using increased, from {} to {}.",
  "creditwise.general.scorechange.short.creditutilizationpercentage.increase.singular" : "The percentage of available credit that you're using increased, from {} to {}.",
  "creditwise.general.scorechange.short.delinquentaccountscount.decrease.plural" : "{} delinquent accounts are no longer on your credit report.",
  "creditwise.general.scorechange.short.delinquentaccountscount.decrease.singular" : "{} delinquent account is no longer on your credit report.",
  "creditwise.general.scorechange.short.delinquentaccountscount.increase.plural" : "The total number of accounts with missed payments increased by {}.",
  "creditwise.general.scorechange.short.delinquentaccountscount.increase.singular" : "The total number of accounts with missed payments increased by {}.",
  "creditwise.general.scorechange.short.derogatoryaccountscount.decrease.plural" : "{} derogatory accounts are no longer on your credit report.",
  "creditwise.general.scorechange.short.derogatoryaccountscount.decrease.singular" : "{} derogatory account is no longer on your credit report.",
  "creditwise.general.scorechange.short.derogatoryaccountscount.increase.plural" : "The total number of derogatory accounts increased by {}.",
  "creditwise.general.scorechange.short.derogatoryaccountscount.increase.singular" : "The total number of derogatory accounts increased by {}.",
  "creditwise.general.scorechange.short.disputedaccountscount.plural" : "You have {} disputed accounts. TransUnion is currently investigating the info associated with the accounts.",
  "creditwise.general.scorechange.short.disputedaccountscount.singular" : "You have {} disputed account. TransUnion is currently investigating the info associated with the account.",
  "creditwise.general.scorechange.short.paymenthistoryontimepayments.decrease.plural" : "Your on-time payments percentage went down from {} to {}.",
  "creditwise.general.scorechange.short.paymenthistoryontimepayments.decrease.singular" : "Your on-time payments percentage went down from {} to {}.",
  "creditwise.general.scorechange.short.paymenthistoryontimepayments.increase.plural" : "Your on-time payments percentage improved from {} to {}.",
  "creditwise.general.scorechange.short.paymenthistoryontimepayments.increase.singular" : "Your on-time payments percentage improved from {} to {}.",
  "creditwise.general.scorechange.short.publicrecordscount.decrease.plural" : "{} public records are no longer on your credit report.",
  "creditwise.general.scorechange.short.publicrecordscount.decrease.singular" : "{} public record is no longer on your credit report.",
  "creditwise.general.scorechange.short.publicrecordscount.increase.plural" : "The total number of public records increased by {}.",
  "creditwise.general.scorechange.short.publicrecordscount.increase.singular" : "The total number of public records increased by {}.",
  "creditwise.general.scorechange.short.recentinquirycount.decrease.plural" : "{} recent inquiries are no longer on your credit report.",
  "creditwise.general.scorechange.short.recentinquirycount.decrease.singular" : "{} recent inquiry is no longer on your credit report.",
  "creditwise.general.scorechange.short.recentinquirycount.increase.plural" : "Businesses or lenders recently accessed your credit report {} times.",
  "creditwise.general.scorechange.short.recentinquirycount.increase.singular" : "{} business or lender recently accessed your credit report.",
  "creditwise.general.scorechange.short.recenttradelinesopenedcount.decrease.plural" : "{} of your accounts are no longer considered \"new\".",
  "creditwise.general.scorechange.short.recenttradelinesopenedcount.decrease.singular" : "{} of your accounts is no longer considered \"new\".",
  "creditwise.general.scorechange.short.recenttradelinesopenedcount.increase.plural" : "You've opened {} new accounts recently.",
  "creditwise.general.scorechange.short.recenttradelinesopenedcount.increase.singular" : "You've opened {} new account recently.",
  "creditwise.general.scorechange.short.totalbalance.decrease.plural" : "The amount that you owe on loans and credit accounts decreased, from {} to {}.",
  "creditwise.general.scorechange.short.totalbalance.decrease.singular" : "The amount that you owe on loans and credit accounts decreased, from {} to {}.",
  "creditwise.general.scorechange.short.totalbalance.increase.plural" : "The amount that you owe on credit accounts and loans increased, from {} to {}.",
  "creditwise.general.scorechange.short.totalbalance.increase.singular" : "The amount that you owe on credit accounts and loans increased, from {} to {}.",
  "creditwise.general.scorechange.totalbalance.decrease.plural" : "The amount that you owe on loans and credit accounts decreased, from {} to {}. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit.",
  "creditwise.general.scorechange.totalbalance.decrease.singular" : "The amount that you owe on loans and credit accounts decreased, from {} to {}. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit.",
  "creditwise.general.scorechange.totalbalance.increase.plural" : "The amount that you owe on loans and credit accounts increased, from {} to {}. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit.",
  "creditwise.general.scorechange.totalbalance.increase.singular" : "The amount that you owe on loans and credit accounts increased, from {} to {}. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit.",
  "creditwise.general.scorechange.totalbalance.title" : "Total Debt",
  "creditwise.general.scoreimprovements.scorecode10.lenderperspective" : "Lenders generally view late payments as a strong indicator that you're stretched too thin financially, and might not be able to pay them back.\n\nHaving more accounts in good standing allows lenders to see that you can manage them responsibly.",
  "creditwise.general.scoreimprovements.scorecode10.recommendation" : "If you're still overdue on any accounts, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score. If you're in trouble, talk to your lender. They may be able to help you out.\n\nIf you aren't overdue on any accounts, don't rush into opening any new ones. That's a big decision with many factors to consider. We'd never recommend applying for credit until you're ready.\n\nOver time, as you open accounts when you need them, make sure that you can manage all of them responsibly. Eventually, you'll build enough experience and this won't hold your score back anymore. ",
  "creditwise.general.scoreimprovements.scorecode10.title" : "You need more accounts in good standing than you currently have. \"Good standing\" means accounts with no missed payments.",
  "creditwise.general.scoreimprovements.scorecode11.lenderperspective" : "Lenders generally view late payments on accounts with high balances as a very strong indicator that you're stretched too thin financially and might not be able to pay them back.\n\nMaking payments on time each month and keeping manageable balances shows lenders that you can manage credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode11.recommendation" : "Do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score.\n\nThen if it's possible, try to reduce how much you owe by paying as much as you can each month.",
  "creditwise.general.scoreimprovements.scorecode11.title" : "You have accounts currently overdue and the total balance of these accounts is too high.",
  "creditwise.general.scoreimprovements.scorecode12.lenderperspective" : "Older accounts on your credit report help show lenders that you have experience managing credit.\n\nLenders generally like to see a longer track record of responsible credit behavior, like paying on time each month. It tells them that you're reliable and can manage credit well, which can really help your credit score.",
  "creditwise.general.scoreimprovements.scorecode12.recommendation" : "There isn't a quick fix for this issue. The best thing you can do is continue to manage this account responsibly by paying it on time each month and keeping your balance as low as possible.",
  "creditwise.general.scoreimprovements.scorecode12.title" : "Your oldest account isn't old enough compared to other people with similar credit profiles.",
  "creditwise.general.scoreimprovements.scorecode13.lenderperspective" : "When you open a new account, lenders normally want to see how you'll manage it. Positive behaviors, such as making on-time payments, show lenders that you can manage this account well. This will also make up for any slight drop your score suffered when you opened it.",
  "creditwise.general.scoreimprovements.scorecode13.recommendation" : "Show that you can manage this account responsibly by keeping your balance as low as possible and by making payments on time each month. As you continue to build positive experience, your score will improve.",
  "creditwise.general.scoreimprovements.scorecode13.title" : "Your most recently opened account is too new.",
  "creditwise.general.scoreimprovements.scorecode14.lenderperspective" : "Lenders generally like to see a long track record of responsible credit behavior, like paying bills on time each month. It tells them that you're reliable and can manage credit well.",
  "creditwise.general.scoreimprovements.scorecode14.recommendation" : "If you haven't had credit for that long, continue to make all of your payments on time and only use as much credit as you need to. Eventually, you'll get to the point when this won't hold your score back anymore.\n\nIf you don't have many (or any) credit accounts, we get it — opening accounts is a big decision with many factors to consider. We'd never recommend doing so until you're ready.\n\nOver time, as you open accounts when you need them, make sure that you can manage all of them responsibly. Eventually, you'll build enough experience and this won't hold your score back anymore. ",
  "creditwise.general.scoreimprovements.scorecode14.title" : "Lenders frequently like to see a lot of experience with credit, both in terms of the number of accounts you have and the length of time you've had them. There's room for improvement in one or both of these areas for you.",
  "creditwise.general.scoreimprovements.scorecode15.lenderperspective" : "Lenders generally view late payments as a strong indicator that you're stretched too thin financially, and might not be able to pay them back.\n\nMaking payments on time each month shows lenders that you can manage credit responsibly. ",
  "creditwise.general.scoreimprovements.scorecode15.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current. If you're in trouble, talk to your lender. They may be able to help you out.",
  "creditwise.general.scoreimprovements.scorecode15.title" : "You recently missed a payment due date.",
  "creditwise.general.scoreimprovements.scorecode16.lenderperspective" : "If you owe too much on all of your accounts, a lender might see this as a sign that you're stretched too thin financially and might not be able to pay them back.\n\nA high balance isn't necessarily a bad thing, as long as you keep making payments on time. By paying what you owe each month (or even a little more), you're showing lenders that you can handle credit responsibly",
  "creditwise.general.scoreimprovements.scorecode16.recommendation" : "If it's possible, make larger payments on your loans. If you can't, don't worry, just keep making your payments on time. Eventually, the impact to your credit score will decrease as you continue to pay down your balances. Don't forget that you can save money long-term by paying more than the minimum each month. For credit accounts, using less than 30% of your available credit is a good goal.",
  "creditwise.general.scoreimprovements.scorecode16.title" : "Compared to people with similar credit profiles, the combined balance on all of your accounts is high.",
  "creditwise.general.scoreimprovements.scorecode17.lenderperspective" : "Lenders generally view late payments on accounts with high balances as a very strong indicator that you're stretched too thin financially and might not be able to pay them back.",
  "creditwise.general.scoreimprovements.scorecode17.recommendation" : "If you're still overdue on any accounts, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score. If you can't get caught up, talk to your lender. They may be able to help you out.\n\nThen if it's possible, try to reduce how much you owe by paying as much as you can each month. For your credit cards, using less than 30% of your available credit is a good goal.",
  "creditwise.general.scoreimprovements.scorecode17.title" : "You've missed a payment due date on at least one account with a high balance.",
  "creditwise.general.scoreimprovements.scorecode18.lenderperspective" : "For credit accounts, lenders might view high balance to credit limit as a sign that you're stretched too thin financially and might not be able to pay them back.\n\nFor loans, a high balance to loan amount isn't necessarily a bad thing, as long as you keep making payments on time. By paying what you owe each month (or even a little more), you're showing lenders that you can handle the responsibility of the loan.",
  "creditwise.general.scoreimprovements.scorecode18.recommendation" : "You've been doing a great job paying these accounts on time. If it's possible, make larger payments to get the balance down. If you can't, don't worry, just keep doing what you're doing. For credit accounts, using less than 30% of your available credit is a good goal.",
  "creditwise.general.scoreimprovements.scorecode18.title" : "The balance on some of your loans is high compared to how much you initially borrowed or your credit limit. ",
  "creditwise.general.scoreimprovements.scorecode21.lenderperspective" : "Lenders often feel better about lending to people who've shown they can handle credit responsibly.\n\nWithout any open and active accounts, lenders only have a limited view of how well you'll handle a loan.\n\nKeep in mind that there are risks involved with having a loan or credit. If you manage it poorly, you can fall into debt, which will cause you far more problems than just having a bad score.",
  "creditwise.general.scoreimprovements.scorecode21.recommendation" : "We get it — getting an account or a loan is a big decision with many factors to consider. We'd never recommend applying for credit until you're ready.\n\nIf you end up getting an account or a loan in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means paying your bills on time each month, not borrowing more than you can handle, and keeping your balance as low as possible. Over time, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode21.title" : "You don't have any open accounts.",
  "creditwise.general.scoreimprovements.scorecode22.lenderperspective" : "Lenders often feel better about lending to people who've shown they can handle credit responsibly.\n\nWithout any recent activity, lenders only have a limited view of how well you'll handle a loan.",
  "creditwise.general.scoreimprovements.scorecode22.recommendation" : "Keeping your credit accounts open and active demonstrates that you can handle credit responsibly.\n\n\"Responsibly\" means paying your bills on time each month and keeping your balance as low as possible.",
  "creditwise.general.scoreimprovements.scorecode22.title" : "You don't have any recent activity on your credit accounts.",
  "creditwise.general.scoreimprovements.scorecode23.lenderperspective" : "Lenders generally like to see a longer track record of responsible credit behavior, like paying bills on time each month. It tells them that you're reliable and can manage credit well.",
  "creditwise.general.scoreimprovements.scorecode23.recommendation" : "If you don't have many (or any) credit accounts, we get it — opening more accounts is a big decision with many factors to consider. We'd never recommend applying for credit until you're ready.\n\nIf you end up getting an account or a loan in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means paying your bills on time each month, not borrowing more than you can handle, and keeping your balance as low as possible. Over time, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode23.title" : "Lenders frequently like to see a lot of experience with credit, both in terms of the number of accounts you have and the length of time you've had them. There's room for improvement in one or both of these areas for you.",
  "creditwise.general.scoreimprovements.scorecode29.lenderperspective" : "People who carry balances on multiple credit accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.\n\nContrary to popular belief, carrying a balance won't help you build your credit score faster than if you paid it off in full each month.",
  "creditwise.general.scoreimprovements.scorecode29.recommendation" : "If it's possible, try to pay off one or more of these cards so you can reduce the number of accounts that have balances.\n\nIf you pay off your entire balance month to month, you might be seeing this because this info is generated from your credit report, which is a monthly snapshot of your account balances. So if the snapshot is taken each month before you've paid your bill, it might look like you're carrying a balance.",
  "creditwise.general.scoreimprovements.scorecode29.title" : "Compared to people with similar credit profiles, you have too many credit cards with balances.",
  "creditwise.general.scoreimprovements.scorecode30.lenderperspective" : "Lenders like to see a track record of being able to manage a high credit limit responsibly.",
  "creditwise.general.scoreimprovements.scorecode30.recommendation" : "If you want a higher credit limit, the best way to get it is to demonstrate responsible credit behavior. So pay as much as you can each month to reduce how much you owe and keep paying on time each month.",
  "creditwise.general.scoreimprovements.scorecode30.title" : "You don't have enough accounts with high credit limits compared to other people with similar credit profiles.",
  "creditwise.general.scoreimprovements.scorecode31.lenderperspective" : "When you open new credit accounts, lenders normally want to see how you'll manage them.\n\nPositive behaviors, such as making on-time payments, show lenders that you can manage these accounts well. This will make up for any slight drop your score suffered when you opened them.",
  "creditwise.general.scoreimprovements.scorecode31.recommendation" : "Show that you can manage these accounts responsibly by keeping your balance as low as possible and making payments on time each month.",
  "creditwise.general.scoreimprovements.scorecode31.title" : "You've opened too many credit accounts recently.",
  "creditwise.general.scoreimprovements.scorecode32.lenderperspective" : "If you don't have much credit available, a lender might see this as a sign that you're stretched too thin financially and might not be able to pay them back.",
  "creditwise.general.scoreimprovements.scorecode32.recommendation" : "If it's possible, try to reduce how much you owe by paying as much as you can each month. For credit accounts, using less than 30% of your available credit is a good goal.",
  "creditwise.general.scoreimprovements.scorecode32.title" : "Compared to people with similar credit profiles, you're using a lot of the credit available to you on one or more of your accounts.",
  "creditwise.general.scoreimprovements.scorecode33.lenderperspective" : "Lenders generally view late payments as a strong indicator that you're stretched too thin financially, and might not be able to pay them back.\n\nMaking payments on time each month shows lenders that you can manage credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode33.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current. If you're in trouble, talk to your lender. They may be able to help you out.",
  "creditwise.general.scoreimprovements.scorecode33.title" : "You've missed at least one payment due date on a credit account. ",
  "creditwise.general.scoreimprovements.scorecode34.lenderperspective" : "If you're borrowing too much, a lender might see this as a sign that you're stretched too thin financially and might not be able to pay them back.",
  "creditwise.general.scoreimprovements.scorecode34.recommendation" : "If it's possible, try to reduce how much you owe by paying as much as you can each month. Using less than 30% of your available credit is a good goal. ",
  "creditwise.general.scoreimprovements.scorecode34.title" : "Compared to people with similar credit profiles, the total balance of all your credit accounts is too high.",
  "creditwise.general.scoreimprovements.scorecode35.lenderperspective" : "If you're borrowing too much on one account, a lender might see this as a sign that you're stretched too thin financially and might not be able to pay them back.",
  "creditwise.general.scoreimprovements.scorecode35.recommendation" : "If it's possible, try to reduce how much you owe by paying as much as you can each month. Using less than 30% of your available credit is a good goal.\n\nUsing less than 30% of your available credit is a good goal. If you're in good shape, keep in mind that using some available credit and paying the balance off each month may be better than not using any credit at all. ",
  "creditwise.general.scoreimprovements.scorecode35.title" : "Compared to people with similar credit profiles, your highest credit account balance is too high.",
  "creditwise.general.scoreimprovements.scorecode36.lenderperspective" : "Lenders generally like to see a track record of being able to manage a high credit limit responsibly.",
  "creditwise.general.scoreimprovements.scorecode36.recommendation" : "The best way to get a higher credit limit is to demonstrate good credit behavior. So pay as much as you can each month to reduce how much you owe. If you don't carry a balance, just keep paying on time each month. Then you can ask lenders to increase your credit limit. ",
  "creditwise.general.scoreimprovements.scorecode36.title" : "The highest credit limit on your open credit accounts isn't high enough compared to people with similar credit profiles.",
  "creditwise.general.scoreimprovements.scorecode39.lenderperspective" : "If your available credit is too low, a lender might see this as a sign that you're stretched too thin financially and might not be able to pay them back.",
  "creditwise.general.scoreimprovements.scorecode39.recommendation" : "Whenever possible, pay down your balances. And continue to make on time payments. Once you've demonstrated responsible credit behavior, you can ask your lender to increase your credit limit.",
  "creditwise.general.scoreimprovements.scorecode39.title" : "You're currently using most of the credit available to you.",
  "creditwise.general.scoreimprovements.scorecode4.lenderperspective" : "For loans, a high balance to loan amount isn't necessarily a bad thing, as long as you keep making payments on time. By paying what you owe each month (or even a little more), you're showing lenders that you can handle credit responsibly. For your credit accounts, using less than 30% of your available credit is a good goal.",
  "creditwise.general.scoreimprovements.scorecode4.recommendation" : "If it's possible, make larger payments on your loans. If you can't, don't worry, just keep making your payments on time.\n\nDon't forget that you can save money long-term by paying more than the minimum each month.",
  "creditwise.general.scoreimprovements.scorecode4.title" : "The balance on your loans is high compared to how much you initially borrowed or the credit limit.",
  "creditwise.general.scoreimprovements.scorecode40.lenderperspective" : "Older accounts on your credit report help show lenders that you have experience managing credit.\n\nLenders generally like to see a longer track record of responsible credit behavior, like paying on time each month. It tells them that you're reliable and can manage credit well, which can really help your credit score.",
  "creditwise.general.scoreimprovements.scorecode40.recommendation" : "There isn't a quick fix for this issue. The best thing you can do is continue to manage this account responsibly by paying it on time each month and keeping your balance as low as possible. ",
  "creditwise.general.scoreimprovements.scorecode40.title" : "Your oldest credit account isn't old enough compared to other people with similar credit profiles. ",
  "creditwise.general.scoreimprovements.scorecode42.lenderperspective" : "When you open a new credit account, lenders generally like to see a track record of responsible credit behavior, like paying on time each month. It tells them that you're reliable and can manage credit well. This will make up for any slight drop your score suffered when you opened it.",
  "creditwise.general.scoreimprovements.scorecode42.recommendation" : "Show that you can manage this account responsibly by keeping your balance as low as possible and by making payments on time each month. As you continue to build positive experience, your score will improve.",
  "creditwise.general.scoreimprovements.scorecode42.title" : "Your newest credit account is still too new.",
  "creditwise.general.scoreimprovements.scorecode43.lenderperspective" : "Lenders generally like to see a long track record of responsible credit behavior, like paying on time each month. It tells them that you're reliable and can manage credit well.",
  "creditwise.general.scoreimprovements.scorecode43.recommendation" : "If you haven't had credit for that long, continue to make all of your payments on time and only use as much credit as you need to.\n\nIf you don't have many (or any) credit accounts, we get it — opening accounts is a big decision with many factors to consider. We'd never recommend doing so until you're ready.\n\nOver time, as you open accounts when you need them, make sure that you can manage all of them responsibly. Eventually, you'll build enough experience and this won't hold your score back anymore. ",
  "creditwise.general.scoreimprovements.scorecode43.title" : "Lenders frequently like to see a lot of experience with credit, both in terms of the number of accounts you have and the length of time you've had them. There's room for improvement in one or both of these areas for you. ",
  "creditwise.general.scoreimprovements.scorecode44.lenderperspective" : "Lenders generally view too many accounts with late payments as a very strong indicator that you're stretched too thin financially, and might not be able to pay them back.\n\nMaking payments on time each month shows lenders that you can manage credit responsibly. ",
  "creditwise.general.scoreimprovements.scorecode44.recommendation" : "If you're still overdue on any accounts, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current. If you're in trouble, talk to your lender. They may be able to help you out. ",
  "creditwise.general.scoreimprovements.scorecode44.title" : "You have too many credit accounts where you've missed at least one payment due date.",
  "creditwise.general.scoreimprovements.scorecode45.lenderperspective" : "Lenders generally view late payments on accounts with high balances as a very strong indicator that you're stretched too thin financially and might not be able to pay them back. ",
  "creditwise.general.scoreimprovements.scorecode45.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current. If you're in trouble, talk to your lender. They may be able to help you out.",
  "creditwise.general.scoreimprovements.scorecode45.title" : "You've missed at least one payment due date on your credit accounts, and the total balance of these accounts is too high.",
  "creditwise.general.scoreimprovements.scorecode47.lenderperspective" : "Lenders often feel better about lending to people who've shown they can handle credit responsibly.\n\nWithout open and active credit accounts, lenders only have a limited view of how well you'll handle a loan.\n\nKeep in mind that there are risks involved with having a loan or credit. If you manage it poorly, you can fall into debt, which will cause you far more problems than just having a bad score.",
  "creditwise.general.scoreimprovements.scorecode47.recommendation" : "We get it — getting a credit account is a big decision with many factors to consider. We'd never recommend applying for credit until you're ready.\n\nIf you end up getting an account in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means paying your bills on time each month and keeping your balance as low as possible. Over time, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode47.title" : "You don't have any open credit accounts.",
  "creditwise.general.scoreimprovements.scorecode48.lenderperspective" : "Lenders feel confident about lending to you if they can see active and responsible credit usage. Right now, lenders don't have enough recent information about your use of credit.",
  "creditwise.general.scoreimprovements.scorecode48.recommendation" : "Maintaining open and active credit accounts in good standing can help improve your credit score.",
  "creditwise.general.scoreimprovements.scorecode48.title" : "You don't have any recent reported activity on your credit accounts.",
  "creditwise.general.scoreimprovements.scorecode49.lenderperspective" : "Lenders generally like to see a longer track record of responsible credit behavior, like paying on time each month. It tells them that you're reliable and can manage credit well.",
  "creditwise.general.scoreimprovements.scorecode49.recommendation" : "If you haven't had credit for that long, continue to make all of your payments on time and only use as much credit as you need to. Eventually, you'll get to the point when this won't hold your score back anymore.\n\nIf you don't have many (or any) credit accounts, we get it — opening accounts is a big decision with many factors to consider. We'd never recommend doing so until you're ready.\n\nIf you end up opening an account in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means paying your bills on time each month and keeping your balance as low as possible. Over time, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode49.title" : "Lenders frequently like to see a lot of experience with credit accounts, both in terms of the number of accounts you have and the length of time you've had them. There's room for improvement in one or both of these areas for you.",
  "creditwise.general.scoreimprovements.scorecode5.lenderperspective" : "Lenders generally view recent late payments as a very strong indicator that you're stretched too thin financially, and might not be able to pay them back.\n\nMaking payments on time each month shows lenders that you can manage credit responsibly. ",
  "creditwise.general.scoreimprovements.scorecode5.recommendation" : "If you're still overdue on any accounts, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current. If you're in trouble, talk to your lender. They may be able to help you out. ",
  "creditwise.general.scoreimprovements.scorecode5.title" : "You've missed at least one payment due date over the past two years.",
  "creditwise.general.scoreimprovements.scorecode53.lenderperspective" : "Lenders generally view late payments on real estate accounts as a very strong indicator that you're stretched too thin financially and might not be able to pay them back.\n\nMaking payments on time each month and keeping manageable balances shows lenders that you can manage credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode53.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score. If you're in trouble, talk to your lender. They may be able to help you out.",
  "creditwise.general.scoreimprovements.scorecode53.title" : "You've missed at least one payment due date on a real estate loan.",
  "creditwise.general.scoreimprovements.scorecode54.lenderperspective" : "By paying what you owe each month (or even a little more), you're showing lenders that you can handle the responsibility of real estate loans. So even a high balance isn't necessarily a bad thing, as long as you keep making payments on time.",
  "creditwise.general.scoreimprovements.scorecode54.recommendation" : "If it's possible, make larger payments on your real estate accounts. If you can't, don't worry, just keep making your payments on time.",
  "creditwise.general.scoreimprovements.scorecode54.title" : "It looks like you haven't paid that much of your balance down on your open real estate account(s). A real estate account can be a first mortgage, a home equity loan, or home equity line of credit.",
  "creditwise.general.scoreimprovements.scorecode55.lenderperspective" : "By paying what you owe each month (or even a little more), you're showing lenders that you can handle the responsibility of real estate loans. So even a high balance isn't necessarily a bad thing, as long as you keep making payments on time.",
  "creditwise.general.scoreimprovements.scorecode55.recommendation" : "If it's possible, make larger payments on your real estate accounts. If you can't, don't worry, just keep making your payments on time.",
  "creditwise.general.scoreimprovements.scorecode55.title" : "It looks like you haven't paid much of the balance down on your open real estate accounts compared to what you originally borrowed. A real estate account can be a first mortgage, a home equity loan, or home equity line of credit.",
  "creditwise.general.scoreimprovements.scorecode57.lenderperspective" : "Lenders generally view late payments on real estate accounts as a very strong indicator that you're stretched too thin financially and might not be able to pay them back.\n\nReal estate accounts are generally considered \"major\" loans. So when you miss a payment on one of them, it could hurt your score even more than if you missed a credit card payment.\n\nMaking payments on time each month and keeping manageable balances shows lenders that you can manage credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode57.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time. If you can't get caught up, your lender may be able to help you out.",
  "creditwise.general.scoreimprovements.scorecode57.title" : "You have too many real estate accounts where you've missed at least one missed payment due date.",
  "creditwise.general.scoreimprovements.scorecode58.lenderperspective" : "For mortgage accounts, a high balance to loan amount isn't necessarily a bad thing, as long as you keep making payments on time. By paying what you owe each month (or even a little more), you're showing lenders that you can handle credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode58.recommendation" : "If it's possible, make larger payments on your real estate accounts. If you can't, don't worry, just keep making your payments on time.\n\nDon't forget that you can save money long-term by paying more than the minimum each month.",
  "creditwise.general.scoreimprovements.scorecode58.title" : "Compared to people with similar credit profiles, the total balance on all of your real estate accounts is too high. A real estate account can be a first mortgage, a home equity loan, or home equity line of credit.",
  "creditwise.general.scoreimprovements.scorecode6.lenderperspective" : "When you open new accounts, lenders normally want to see how you'll manage them. Positive behaviors, such as making on-time payments, show lenders that you can manage these accounts well. This will make up for any slight drop your score suffered when you opened them.",
  "creditwise.general.scoreimprovements.scorecode6.recommendation" : "Now that these accounts are open, the best thing you can do is manage them responsibly by making your payments on time and borrowing only as much as you need.",
  "creditwise.general.scoreimprovements.scorecode6.title" : "You've opened too many accounts in the past two years.",
  "creditwise.general.scoreimprovements.scorecode61.lenderperspective" : "Lenders generally like to see responsible credit usage on different types of loans.",
  "creditwise.general.scoreimprovements.scorecode61.recommendation" : "We get it — getting a mortgage is a huge decision with many factors to consider. We'd never recommend applying for a mortgage until you're ready.\n\nIf you end up getting a mortgage in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore. ",
  "creditwise.general.scoreimprovements.scorecode61.title" : "You don't have any open real estate accounts.",
  "creditwise.general.scoreimprovements.scorecode62.lenderperspective" : "Lenders generally like to see responsible credit usage on different types of loans.",
  "creditwise.general.scoreimprovements.scorecode62.recommendation" : "Maintaining open and active real estate accounts in good standing can help improve your credit score.",
  "creditwise.general.scoreimprovements.scorecode62.title" : "You don't have any recent reported activity on real estate accounts.",
  "creditwise.general.scoreimprovements.scorecode63.lenderperspective" : "Lenders generally like to see a long track record of responsible credit behavior with different types of credit. It tells them that you're reliable and can manage credit well.",
  "creditwise.general.scoreimprovements.scorecode63.recommendation" : "We get it — getting a mortgage is a huge decision with many factors to consider. We'd never recommend applying for one until you're ready.\n\nIf you end up getting a mortgage in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode63.title" : "You don't have enough experience managing a real estate account. ",
  "creditwise.general.scoreimprovements.scorecode64.lenderperspective" : "Lenders generally like to see a long track record of responsible credit behavior with different types of credit. It tells them that you're reliable and can manage credit well.",
  "creditwise.general.scoreimprovements.scorecode64.recommendation" : "We get it — getting a mortgage is a huge decision with many factors to consider. We'd never recommend applying for a mortgage until you're ready.\n\nIf you end up getting a mortgage in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore. ",
  "creditwise.general.scoreimprovements.scorecode64.title" : "You don't have any open first real estate accounts.",
  "creditwise.general.scoreimprovements.scorecode65.lenderperspective" : "Lenders generally like to see a long track record of responsible credit behavior with different types of credit. It tells them that you're reliable and can manage credit well.",
  "creditwise.general.scoreimprovements.scorecode65.recommendation" : "We get it — getting a mortgage is a huge decision with many factors to consider. We'd never recommend applying for a mortgage until you're ready.\n\nIf you end up getting a mortgage in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode65.title" : "You don't have enough experience managing a first mortgage.",
  "creditwise.general.scoreimprovements.scorecode66.lenderperspective" : "For auto accounts, a high balance to loan amount isn't necessarily a bad thing, as long as you keep making payments on time. By paying what you owe each month (or even a little more), you're showing lenders that you can handle credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode66.recommendation" : "If it's possible, make larger payments on your auto loans. If you can't, don't worry, just keep making your payments on time.\n\nDon't forget that you can save money long-term by paying more than the minimum each month.",
  "creditwise.general.scoreimprovements.scorecode66.title" : "It looks like you haven't paid much of the balance down on your open auto loans compared to what you originally borrowed.",
  "creditwise.general.scoreimprovements.scorecode68.lenderperspective" : "Lenders often feel better about lending to people who've shown they can handle different types of loans.\n\nKeep in mind that there are risks involved with having an auto loan. If you manage it poorly, you can fall into debt, which will cause you far more problems than just having a bad score. ",
  "creditwise.general.scoreimprovements.scorecode68.recommendation" : "We get it — getting an auto loan is a big decision with many factors to consider. We'd never recommend applying for one until you're ready.\n\nIf you end up getting an auto loan in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore. ",
  "creditwise.general.scoreimprovements.scorecode68.title" : "You don't have any open auto loans.",
  "creditwise.general.scoreimprovements.scorecode69.lenderperspective" : "Lenders generally like to see a long track record of responsible credit behavior, like paying on time each month. It tells them that you're reliable and can manage credit well.",
  "creditwise.general.scoreimprovements.scorecode69.recommendation" : "We get it — getting an auto loan is a big decision with many factors to consider. We'd never recommend applying for one until you're ready.\n\nIf you end up getting an auto loan in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore. ",
  "creditwise.general.scoreimprovements.scorecode69.title" : "You don't have enough experience managing auto loans.",
  "creditwise.general.scoreimprovements.scorecode7.lenderperspective" : "Even having one overdue account hurts your score, and lenders generally view a late payment as a sign that you're stretched too thin financially.\n\nBut they view late payments on multiple accounts as an even stronger indicator that you might not be able to pay them back.\n\nMaking payments on time each month shows lenders that you can manage credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode7.recommendation" : "If you're still overdue on any accounts, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current. If you're in trouble, talk to your lender. They may be able to help you out. ",
  "creditwise.general.scoreimprovements.scorecode7.title" : "You've missed at least one payment due date over the course of your credit history.",
  "creditwise.general.scoreimprovements.scorecode71.lenderperspective" : "Lenders generally view late payments as a strong indicator that you're stretched too thin financially, and might not be able to pay them back.\n\nIf you have very few (or no) loans, lenders haven't had a chance to see if you can manage them responsibly. The best thing you can do is pay your bills on time each month. Over time, this will have a positive impact on your credit score.",
  "creditwise.general.scoreimprovements.scorecode71.recommendation" : "If you're still overdue on any installment loans, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score. If you're in trouble, talk to your lender. They may be able to help you out.\n\nIf you need more experience with installment loans, We get it — opening more accounts is a big decision with many factors to consider. We'd never recommend applying for credit until you're ready.\n\nIf you end up getting an installment loan in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode71.title" : "You need more accounts in good standing than you currently have. \"Good standing\" means accounts with no missed payments.",
  "creditwise.general.scoreimprovements.scorecode72.lenderperspective" : "Lenders generally view late payments on installment accounts as a strong indicator that you're stretched too thin financially and might not be able to pay them back.\n\nMaking payments on time each month and keeping manageable balances shows lenders that you can manage credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode72.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time. When you get caught up, your previous late payments will have less of an impact on your credit score. If you're in trouble, talk to your lender. They may be able to help you out.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current.",
  "creditwise.general.scoreimprovements.scorecode72.title" : "You have too many installment loans where you've missed at least one missed payment due date.",
  "creditwise.general.scoreimprovements.scorecode73.lenderperspective" : "Lenders generally view late payments on installment accounts as a strong indicator that you're stretched too thin financially and might not be able to pay them back.\n\nMaking payments on time each month and keeping manageable balances shows lenders that you can manage credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode73.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time. When you get caught up, your previous late payments will have less of an impact on your credit score. If you're in trouble, talk to your lender. They may be able to help you out.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current.",
  "creditwise.general.scoreimprovements.scorecode73.title" : "You've missed at least one payment due date on an installment loan.",
  "creditwise.general.scoreimprovements.scorecode74.lenderperspective" : "For installment accounts, a high balance to loan amount isn't necessarily a bad thing, as long as you keep making payments on time. By paying what you owe each month (or even a little more), you're showing lenders that you can handle credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode74.recommendation" : "If it's possible, make larger payments on your installment accounts. If you can't, don't worry, just keep making your payments on time.\n\nKeep in mind that you can save money long-term by paying more than the minimum each month.",
  "creditwise.general.scoreimprovements.scorecode74.title" : "You haven't paid much of the balance down on your open installment loans.",
  "creditwise.general.scoreimprovements.scorecode75.lenderperspective" : "When you open a new loan, lenders normally want to see how you'll manage it. Positive behaviors, such as making on-time payments, show lenders that you can manage this loan well. This will make up for any slight drop your score suffered when you opened it.",
  "creditwise.general.scoreimprovements.scorecode75.recommendation" : "Show that you can manage this account responsibly by keeping your balance as low as possible and by making payments on time each month. As you continue to build positive experience, your score will improve.",
  "creditwise.general.scoreimprovements.scorecode75.title" : "Your newest installment loan is still too new.",
  "creditwise.general.scoreimprovements.scorecode76.lenderperspective" : "Lenders generally like to see a history of responsible behavior to make them feel more confident in offering credit.",
  "creditwise.general.scoreimprovements.scorecode76.recommendation" : "If you haven't had your installment loan for that long, continue to make all of your payments on time. Eventually, you'll get to the point when this won't hold your score back anymore.\n\nIf you don't have many (or any) installment accounts, we get it — opening accounts is a big decision with many factors to consider. We'd never recommend applying for a loan until you're ready.\n\nIf you end up getting an installment loan in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore. ",
  "creditwise.general.scoreimprovements.scorecode76.title" : "Lenders frequently like to see a lot of experience with installment loans, both in terms of the number of loans you have and the length of time you've had them. There's room for improvement in one or both of these areas for you.",
  "creditwise.general.scoreimprovements.scorecode77.lenderperspective" : "Lenders generally view late payments on installment loans as a strong indicator that you're stretched too thin financially, and might not be able to pay them back. But when you get caught up, your previous late payments will have less of an impact on your credit score.",
  "creditwise.general.scoreimprovements.scorecode77.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time. If you're in trouble, talk to your lender. They may be able to help you out.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current.",
  "creditwise.general.scoreimprovements.scorecode77.title" : "You've recently missed at least one payment due date on an installment loan.",
  "creditwise.general.scoreimprovements.scorecode78.lenderperspective" : "A high balance isn't necessarily a bad thing, as long as you keep making payments on time. By paying what you owe each month (or even a little more), you're showing lenders that you can handle the responsibility of installment accounts.",
  "creditwise.general.scoreimprovements.scorecode78.recommendation" : "If it's possible, make larger payments on your installment loans. If you can't, don't worry, just keep making your payments on time.\n\nDon't forget that you can save money long-term by paying more than the minimum each month. ",
  "creditwise.general.scoreimprovements.scorecode78.title" : "Compared to people with similar credit profiles, the balances on your installment loans are too high compared to how much you originally borrowed.",
  "creditwise.general.scoreimprovements.scorecode79.lenderperspective" : "Lenders generally view late payments on installment as a strong indicator that you're stretched too thin financially, and might not be able to pay them back. But when you get caught up, your previous late payments will have less of an impact on your credit score.",
  "creditwise.general.scoreimprovements.scorecode79.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time. If you can't get caught up, your lender may be able to help you out.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current. ",
  "creditwise.general.scoreimprovements.scorecode79.title" : "You've missed too many payment due dates on your installment accounts.",
  "creditwise.general.scoreimprovements.scorecode8.lenderperspective" : "Lenders generally view late payments as a strong indicator that you're stretched too thin financially, and might not be able to pay them back.\n\nHaving more accounts in good standing allows lenders to see that you can manage them responsibly. ",
  "creditwise.general.scoreimprovements.scorecode8.recommendation" : "If you're still overdue on any accounts, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score. If you're in trouble, talk to your lender. They may be able to help you out.\n\nIf you aren't overdue on any accounts, don't rush into opening any new ones. That's a big decision with many factors to consider. We'd never recommend applying for credit until you're ready.\n\nOver time, as you open accounts when you need them, make sure that you can manage all of them responsibly. Eventually, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode8.title" : "You need more accounts in good standing than you currently have. \"Good standing\" means accounts with no missed payments.",
  "creditwise.general.scoreimprovements.scorecode81.lenderperspective" : "Lenders often feel better about lending to people who've shown they can handle different types of loans.\n\nKeep in mind that there are risks involved with having a loan. If you manage it poorly, you can fall into debt, which will cause you far more problems than just having a bad score.",
  "creditwise.general.scoreimprovements.scorecode81.recommendation" : "We get it — getting an installment loan is a big decision with many factors to consider. We'd never recommend applying for one until you're ready.\n\nIf you end up getting an installment loan in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode81.title" : "You don't have any open installment loans.",
  "creditwise.general.scoreimprovements.scorecode83.lenderperspective" : "Lenders often feel better about lending to people who've shown they can handle different types of loans.\n\nKeep in mind that there are risks involved with having a loan. If you manage it poorly, you can fall into debt, which will cause you far more problems than just having a bad score.",
  "creditwise.general.scoreimprovements.scorecode83.recommendation" : "We get it — getting an installment loan is a big decision with many factors to consider. We'd never recommend applying for one until you're ready.\n\nIf you end up getting an installment loan in the future, make sure that you can manage all of your accounts responsibly. \"Responsibly\" means not borrowing more than you can handle and paying your bills on time each month. Over time, you'll build enough experience and this won't hold your score back anymore.",
  "creditwise.general.scoreimprovements.scorecode83.title" : "You don't have experience managing an installment loan.",
  "creditwise.general.scoreimprovements.scorecode84.lenderperspective" : "Having a few inquiries in a year is normal. But people with too many inquiries within a short period could be seen as applying for multiple new credit lines, which is an indicator that someone could be overextended financially.\n\nThe VantageScore  3.0 model considers all inquiries for mortgages, auto loans and major credit cards that appear in your credit file within a 14-day window as a single inquiry. Another time inquiries don't count against your score is when you check your credit or obtain your credit score. ",
  "creditwise.general.scoreimprovements.scorecode84.recommendation" : "If you were approved for credit, your score will quickly benefit if you make on-time payments and manage your new account(s) responsibly.",
  "creditwise.general.scoreimprovements.scorecode84.title" : "You have inquiries on your credit report that didn't have a negative impact on your score.",
  "creditwise.general.scoreimprovements.scorecode85.lenderperspective" : "Having a few inquiries in a year is normal. But people with too many inquiries within a short period could be seen as applying for multiple new credit lines, which is an indicator that someone could be overextended financially.\n\nThe VantageScore  3.0 model considers all inquiries for mortgages, auto loans and major credit cards that appear in your credit file within a 14-day window as a single inquiry. Another time inquiries don't count against your score is when you check your credit or obtain your credit score.",
  "creditwise.general.scoreimprovements.scorecode85.recommendation" : "If you were approved for credit, your score will benefit from making on-time payments and managing your new account(s) responsibly. This usually makes up for any slight drop that your score suffered from making inquiries.",
  "creditwise.general.scoreimprovements.scorecode85.title" : "You have too many inquiries on your credit report.",
  "creditwise.general.scoreimprovements.scorecode86.lenderperspective" : "Lenders generally view negative public records as a strong indicator that you may not be able to pay them back.\n\nThe impact on your score will diminish over time as you manage credit responsibly going forward.\n\n\"Responsibly\" means paying your bills on time each month, and making sure the amount you borrow is manageable. ",
  "creditwise.general.scoreimprovements.scorecode86.recommendation" : "If you haven't already, try to pay off your unpaid public records as soon as possible. Then pay all other accounts on time to help your credit score recover.",
  "creditwise.general.scoreimprovements.scorecode86.title" : "You have a public record that's negatively impacting your credit, like a tax lien or legal judgment against you.",
  "creditwise.general.scoreimprovements.scorecode87.lenderperspective" : "Lenders generally view negative public records as a strong indicator that you may not be able to pay them back.\n\nThe impact on your score will diminish over time as you manage credit responsibly going forward.\n\n\"Responsibly\" means paying your bills on time each month, and making sure the amount you borrow is manageable.",
  "creditwise.general.scoreimprovements.scorecode87.recommendation" : "Try to pay off your unpaid public records as soon as possible, and then pay all other accounts on time to help your credit score recover.",
  "creditwise.general.scoreimprovements.scorecode87.title" : "You have at least one public record that's negatively impacting your credit, like a tax lien or legal judgment against you.",
  "creditwise.general.scoreimprovements.scorecode88.lenderperspective" : "Once you've paid what you owe, the impact of your negative public records on your credit score will decrease over time as you manage credit responsibly going forward.\n\n\"Responsibly\" means paying your bills on time each month, and making sure the amount you borrow is manageable. ",
  "creditwise.general.scoreimprovements.scorecode88.recommendation" : "If you haven't already, try to pay off your unpaid public records as soon as possible. Then pay all other accounts on time to help your credit score recover.",
  "creditwise.general.scoreimprovements.scorecode88.title" : "You have a recent public record that's negatively impacting your credit, like a tax lien or legal judgment against you.",
  "creditwise.general.scoreimprovements.scorecode9.lenderperspective" : "Lenders generally view late payments as a strong indicator that you're stretched too thin financially, and might not be able to pay them back.\n\nMaking payments on time each month shows lenders that you can manage credit responsibly.",
  "creditwise.general.scoreimprovements.scorecode9.recommendation" : "If you're still overdue on any accounts, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score.\n\nLate payments usually trigger late fees. If you think you're going to be late on a payment in the future, make sure to review the account terms first to understand any potential costs that might make it harder for you to get current. If you're in trouble, talk to your lender. They may be able to help you out.",
  "creditwise.general.scoreimprovements.scorecode9.title" : "You've missed at least one payment due date over the course of your credit history.",
  "creditwise.general.scoreimprovements.scorecode90.lenderperspective" : "Eventually, once the bankruptcy is paid off the impact of it on your credit score will start to decrease.\n\nThe impact on your score will diminish over time as you manage credit responsibly going forward.\n\n\"Responsibly\" means paying your bills on time each month, and making sure the amount you borrow is manageable.  ",
  "creditwise.general.scoreimprovements.scorecode90.recommendation" : "Continue to honor the terms of your bankruptcy plan by making payments on time. Eventually, it'll be paid off and will stop hurting your credit score.",
  "creditwise.general.scoreimprovements.scorecode90.title" : "You have at least one bankruptcy that hasn't been discharged yet.",
  "creditwise.general.scoreimprovements.scorecode93.lenderperspective" : "Lenders generally view late payments on student loans as a strong indicator that you're stretched too thin financially and might not be able to pay them back.\n\nMaking payments on time each month and keeping manageable balances shows lenders that you can manage credit responsibly. ",
  "creditwise.general.scoreimprovements.scorecode93.recommendation" : "If you're still overdue, do your best to get caught up. Then, try to start paying on time. Once you're back on track, your previous late payments will have less of an impact on your credit score. If you're in trouble, talk to your lender. They may be able to help you out.",
  "creditwise.general.scoreimprovements.scorecode93.title" : "You've missed at least one payment due date on a student loan. ",
  "creditwise.general.scoreimprovements.scorecode94.lenderperspective" : "Lenders might view those who haven't paid down much of their student loan account balances as higher credit risks than those who have.",
  "creditwise.general.scoreimprovements.scorecode94.recommendation" : "If it's possible, make larger payments on your student loan. If you can't, don't worry, just keep making your payments on time",
  "creditwise.general.scoreimprovements.scorecode94.title" : "Compared to people with similar credit profiles, you haven't paid enough towards your student loans yet.",
  "creditwise.general.scoreimprovements.scorecode95.lenderperspective" : "Lenders generally view accounts in collections as a strong indicator that you might not be able to pay them back. So if you apply for credit while you have accounts in collections, you're less likely to be approved or get a lower interest rate.",
  "creditwise.general.scoreimprovements.scorecode95.recommendation" : "Try to pay off your collections accounts as soon as possible while paying your other accounts on time.",
  "creditwise.general.scoreimprovements.scorecode95.title" : "You have too many unpaid accounts in collections.",
  "creditwise.general.scoreimprovements.scorecode96.lenderperspective" : "Accounts in collections cause large score drops and take a while to recover from.\n\nThe impact on your score will diminish over time as you manage credit responsibly going forward.\n\n\"Responsibly\" means paying your bills on time each month, and making sure the amount you borrow is manageable.",
  "creditwise.general.scoreimprovements.scorecode96.recommendation" : "If it's possible, make larger payments to pay off all your collections balances as soon as possible. If you can't, don't worry, just keep making your payments on time.",
  "creditwise.general.scoreimprovements.scorecode96.title" : "The amount you owe on collections accounts is high.",
  "creditwise.general.scoreimprovements.scorecode97.lenderperspective" : "Your credit file does not have enough credit behavior information about your loans. A mix of different types of open and active credit accounts can have a positive impact on your credit score.",
  "creditwise.general.scoreimprovements.scorecode97.recommendation" : "Don't worry, it's still possible to reach an excellent credit score with the number of accounts you currently have.\n\nThe best thing you can do is make all your payments on time and only use as much credit as you need.",
  "creditwise.general.scoreimprovements.scorecode97.title" : "Having more accounts allows you to better demonstrate positive credit behavior.",
  "creditwise.general.scoreimprovements.scorecode98.lenderperspective" : "Lenders generally view a bankruptcy on your record as a very strong indicator that you may not be able to pay them back.\n\nBankruptcies cause large score drops and can take a long time to recover from. The impact on your score will diminish over time when you demonstrate responsible credit usage.",
  "creditwise.general.scoreimprovements.scorecode98.recommendation" : "You can lessen the impact of the bankruptcy by managing credit responsibly going forward. \"Responsibly\" means paying your bills on time each month, and making sure the amount you borrow is manageable.",
  "creditwise.general.scoreimprovements.scorecode98.title" : "You have a bankruptcy on your credit report.",
  "creditwise.general.scoreimprovements.upmarket.scorecode4.recommendation" : "First, let's state the obvious: When you first take out auto loans, mortgages, and personal loans (like student loans), of course you'll have a large balance compared to the original amount. That's OK! Just keep making your regular payments, and this will eventually become less of a factor as you pay it down. But if you want to address this sooner, making larger payments could help your score.\n\nIf you feel like this doesn't apply to you because your loan or credit card balances are low, just know that any amount could still keep your score from being perfect.",
  "creditwise.general.scoreimprovements.upmarket.scorecode4.title" : "The balance on your loans is high compared to how much you initially borrowed or the credit limit.",
  "creditwise.general.sis.sc32.accordion" : "+ {} more account(s)",
  "creditwise.general.sis.sc32.lenderperspective.atleast30" : "If you don't have much credit available, a lender might see this as a sign that you're stretched too thin financially and might not be able to pay them back.",
  "creditwise.general.sis.sc32.recommendation.utilization.atleast30" : "If it's possible, try to reduce how much you owe by paying as much as you can each month.\nFor credit accounts, using less than 30% of your available credit is a good goal.",
  "creditwise.general.sis.sc32.recommendation.utilization.below30" : "Looks like you're already using less than 30% of your available credit, which is typically a good thing. Pay as much as you can each month to reduce how much you owe.\n\nIf you don't carry a balance, just keep paying on time each month. Then you can ask lenders to increase your credit limit if you can manage it responsibly.",
  "creditwise.general.sis.sc32.recommendation.utilization.below30.score.above700" : "People in your score range generally use less than 30% of their available credit, so try to reduce your credit used as much as possible while keeping your accounts active.\n\nYou can do this by spending less on your credit accounts, or try asking lenders to increase your credit limit, if you can manage it responsibly.",
  "creditwise.general.sis.sc32.supportdata.level1" : "{}",
  "creditwise.general.sis.sc32.supportdata.level1.notreported" : "Not Reported",
  "creditwise.general.sis.sc32.supportdata.level2" : "Credit Used: {}",
  "creditwise.general.sis.sc32.title" : "Compared to people with similar credit profiles, you're using a lot of the credit available to you on one or more of your credit (revolving) accounts.",
  "creditwise.general.sis.sc4.lenderperspective.score.below800" : "For loans, a high balance to loan amount isn't necessarily a bad thing, as long as you keep making payments on time. By paying what you owe each month (or even a little more), you're showing lenders that you can handle credit responsibly.\n\nFor your credit accounts, using less than 30% of your available credit is a good goal.",
  "creditwise.general.sis.sc4.recommendation.score.atleast800" : "First, let's state the obvious: When you first take out auto loans, mortgages, or personal loans (like student loans), of course you'll have a large balance compared to the original amount. That's OK! Just keep making your regular payments, and this will eventually become less of a factor as you pay the balance(s) down. But if you want to address this sooner, making larger payments could help your score.\n\nIf you feel like this doesn't apply to you because your loan or credit card balances are low, just know that any outstanding amount could still impact your score.",
  "creditwise.general.sis.sc4.recommendation.score.below800" : "First, let's state the obvious: When you first take out auto loans, mortgages, or personal loans (like student loans), of course you'll have a large balance compared to the original amount. That's OK! Just keep making your regular payments, and this will eventually become less of a factor as you pay the balance(s) down. But if you want to address this sooner, making larger payments could help your score.\n\nIf you feel like this doesn't apply to you because your loan or credit card balances are low, just know that any outstanding amount could still impact your score.\n\nDon't forget that you can save money long-term by paying more than the minimum each month.",
  "creditwise.general.sis.sc4.supportdata.level1" : "Credit Cards, Real Estate, Auto Loans, Personal Loans, Other",
  "creditwise.general.sis.sc4.supportdata.level2.accounts.credit" : "Credit Balance {} / Credit Limit {}",
  "creditwise.general.sis.sc4.supportdata.level2.accounts.loan" : "Loan Balance {} / Loan Amount(s) {}",
  "creditwise.general.sis.sc4.title" : "The balance on your loans is high compared to how much you initially borrowed or the credit limit.",
  "creditwise.general.sis.sc65.lenderperspective.reaccount.above0" : "Lenders generally like to see a  track record of responsible credit behavior with different types of credit. It tells them that you're probably reliable and can manage credit well.",
  "creditwise.general.sis.sc65.lenderperspective.reaccount.count0" : "Lenders generally like to see a track record of responsible credit behavior with different types of credit. It tells them that you're reliable and can manage credit well.",
  "creditwise.general.sis.sc65.recommendation.reaccount.above0" : "To gain more experience with your mortgage, continue to make all of your payments on time each month.\nEventually, you'll get to the point where this will impact your score less.",
  "creditwise.general.sis.sc65.recommendation.reaccount.count0" : "Getting a mortgage is a big decision with many factors to consider. We'd never recommend applying for one until you're ready.\n\nMake sure that you can manage your other credit accounts responsibily before you get a mortgage. ",
  "creditwise.general.sis.sc65.supportdata.level1" : "{}",
  "creditwise.general.sis.sc65.supportdata.level1.notreported" : "Not Reported",
  "creditwise.general.sis.sc65.supportdata.level2.months" : "Open for {} Month(s)",
  "creditwise.general.sis.sc65.supportdata.level2.years" : "Open for {} Year(s)",
  "creditwise.general.sis.sc65.supportdata.level2.years.months" : "Open for {} Year(s) {} Month(s)",
  "creditwise.general.sis.sc65.title.reaccount.above0" : "You don't have enough experience managing a first mortgage.",
  "creditwise.general.sis.sc65.title.reaccount.count0" : "You don't have a mortgage account.",
  "terms.general.default.content.android" : "I agree to the CreditWise Terms & Conditions and the Capital One U.S. Consumer Privacy Notice, which govern how Capital One uses my information. For as long as my CreditWise profile remains open, I direct Capital One to obtain my credit information regularly from one or more credit bureau(s), for uses consistent with the Terms & Conditions, including telling me about products that might interest me. I understand that using CreditWise won't hurt my credit score. Your CreditWise score is a good measure of your credit health, but it may not be the same score used by your lender or creditor.",
  "terms.general.default.content.android.privacy.link" : "https://www.capitalone.com/privacy/notice",
  "terms.general.default.content.android.privacy.text" : "U.S. Consumer Privacy Notice",
  "terms.general.default.content.android.terms.link" : "https://creditwise.capitalone.com/api/content/article/terms/en-us",
  "terms.general.default.content.android.terms.text" : "CreditWise Terms & Conditions",
  "terms.general.default.content.ios.html" : "I agree to the <a href=\"creditwise-internal://#terms-and-conditions\">CreditWise Terms & Conditions</a> and the Capital One <a href=\"https://www.capitalone.com/privacy/notice\">U.S. Consumer Privacy Notice</a>, which govern how Capital One uses my information. For as long as my CreditWise profile remains open, I direct Capital One to obtain my credit information regularly from one or more credit bureau(s), for uses consistent with the Terms & Conditions, including telling me about products that might interest me. I understand that using CreditWise won't hurt my credit score. Your CreditWise score is a good measure of your credit health, but it may not be the same score used by your lender or creditor.",
  "terms.general.default.content.ios.markdown" : "I agree to the [CreditWise Terms & Conditions](creditwise-internal://#terms-and-conditions) and the Capital One [U.S. Consumer Privacy Notice](https://www.capitalone.com/privacy/notice), which govern how Capital One uses my information. For as long as my CreditWise profile remains open, I direct Capital One to obtain my credit information regularly from one or more credit bureau(s), for uses consistent with the Terms & Conditions, including telling me about products that might interest me. I understand that using CreditWise won't hurt my credit score. Your CreditWise score is a good measure of your credit health, but it may not be the same score used by your lender or creditor.",
  "terms.general.default.content.plain" : "I agree to the CreditWise Terms & Conditions and the Capital One U.S. Consumer Privacy Notice, which govern how Capital One uses my information. For as long as my CreditWise profile remains open, I direct Capital One to obtain my credit information regularly from one or more credit bureau(s), for uses consistent with the Terms & Conditions, including telling me about products that might interest me. I understand that using CreditWise won't hurt my credit score. Your CreditWise score is a good measure of your credit health, but it may not be the same score used by your lender or creditor.",
  "terms.general.default.content.privacy.link" : "https://www.capitalone.com/privacy/notice",
  "terms.general.default.content.privacy.text" : "U.S. Consumer Privacy Notice",
  "terms.general.default.content.terms.text" : "CreditWise Terms & Conditions",
  "terms.general.default.content.web" : "I agree to the <a class=\"terms-link\" href=\"/terms-and-conditions\" target=\"_blank\" rel=\"noopener noreferrer\">CreditWise Terms & Conditions</a> and the Capital One <a class=\"terms-link\" href=\"https://www.capitalone.com/privacy/notice\" target=\"_blank\" rel=\"noopener noreferrer\">U.S. Consumer Privacy Notice</a>, which govern how Capital One uses my information. For as long as my CreditWise profile remains open, I direct Capital One to obtain my credit information regularly from one or more credit bureau(s), for uses consistent with the Terms & Conditions, including telling me about products that might interest me. I understand that using CreditWise won't hurt my credit score. Your CreditWise score is a good measure of your credit health, but it may not be the same score used by your lender or creditor.",
  "terms.general.default.subtitle" : "Please read through the following documents and let us know you're okay with the account conditions.",
  "terms.general.default.title" : "Terms and Conditions"
}