The Beacon score is the the pointing system used by most bank offices to measure the risk of delinquance of a consumer.

To calculate the beacon score we take note of 5 factors:
Payment history
Amount due
Loans history
type of credit used
New credit

These 5 factors will determine: The methid of payments on the accounts, if they are ponctual or late, the maturity of the credit, the activity within the accounts, amongst other factors. Even if it's impossible to exactly predict a consumer's score, credit bureaus will lend to those whose beacon reflects a person of honnor and integrity.

The beacons score's factors are not all equal. In theory and average, here are the %'s attributed to the determinant factors of the beacon score:

Payment history 35%
Amount due 30%
Loans history 15%
type of credit used and New credit 10%

Read our article on credit rating to know more about the Beacon Score.