Section 3 AAC 74.030 - Financial and credit record(a) The department may consider the following factors in evaluating an applicant's financial and credit record:(1) existing and prior debts;(2) credit reports obtained from creditors and private credit reporting services;(3) prior loan history with the department;(4) timeliness in making payments on loans and other debts;(5) existence of tax liens;(6) judgments and foreclosures;(7) financial and credit reputation.(b) Information establishing unacceptable credit will be more heavily weighed by the department if it has occurred not later than the past 10 years from the date of application.Eff. 11/3/2012, Register 204