70 - Reference "Reason Code"
Reason Code
A0 | Account payment history is too new to rate on credit report. |
|---|---|
A1 | Accounts last reported are in delinquent status on credit report. |
A2 | Amount of credit available on revolving/charge accounts is low relative to the other applicants |
A3 | Amount owed on accounts is too high relative to the other applicants scored. |
A5 | Amount owed on the collections filed is high relative to the other applicants scored. |
A6 | Amount owed on the delinquent accounts is high relative to the other applicants scored. |
A7 | Amount owed on recently started accounts is too high relative to the other applicants scored. |
A9 | Amount owed on recently started consumer finance company accounts is too high relative to the |
B0 | Amount owed on recently started retail accounts is too high relative to the other applicants scored. |
B1 | Amount owed on recently started revolving/charge accounts is too high relative to the other |
B2 | Amount owed on recently started sales finance company accounts is too high relative to the other |
B3 | Amount owed on retail accounts is high relative to the other applicants scored. |
B4 | Amount owed on revolving/charge account is high relative to the other applicants scored. |
B5 | Amount owed on revolving/charge account is too high relative to the other applicants scored. |
B6 | Amount past due on accounts is high relative to the other applicants scored. |
D0 | Bankruptcy filed. |
D1 | The date of the last enquiry is too recent. |
D2 | There is delinquency on the accounts on credit report. |
D3 | There is delinquency on the recently started accounts on the credit report. |
D4 | There is derogatory adverse record or collection filed on the credit report. |
D5 | The frequency of delinquency is high relative to the other applicants scored. |
D6 | Level of delinquency on the accounts is high relative to the other applicants scored. |
D7 | There is serious delinquency on the accounts on the credit report. |
D8 | There is serious delinquency on the accounts, adverse record or collection filed on the credit |
E0 | Applicant is young relative to the other applicants scored. |
E1 | Demographic information about the applicant is missing. |
E2 | The number of enquiries is high relative to the other applicants scored. |
E3 | The frequency of enquiries is high relative to the other applicants scored. |
E4 | Lack of recent account information on the credit report. |
E5 | Amount owed on derogatory adverse record is high relative to the other applicants scored. |
E6 | Proportion of balance to limit on accounts is high relative to the other applicants scored. |
F0 | The loan payment history is insufficient on the credit report. |
F1 | Lack of recently established credit accounts on the credit report. |
F2 | Lack of recently established revolving/charge accounts on the credit report. |
F3 | Lack of recent auto finance loan information on the credit report. |
F4 | Lack of recent auto loan information on the credit report. |
F6 | Lack of recent consumer finance company account information on the credit report. |
F7 | Lack of recent loan information on the credit report. |
F8 | Lack of recent mortgage loan information on the credit report. |
F9 | Lack of recent non-mortgage loan information on the credit report. |
G0 | Lack of recent retail account information on the credit report. |
G1 | Lack of recent revolving/charge account information on the credit report. |
G2 | No mortgage loan reported on the credit report. |
G4 | No recent non-mortgage balance information on the credit report. |
G5 | No recent retail balance reported on the credit report. |
G6 | No recent revolving/charge balance reported on the credit report. |
J0 | The length of time accounts have been established on the credit report is short relative to the other |
J1 | The length of time auto loans have been established on the credit report is short relative to the |
J3 | The length of time consumer finance company loans have been established on the credit report is |
J4 | The length of time loans have been established on the credit report is short relative to the other |
J5 | The length of time reported on mortgage accounts is short relative to the other applicants scored. |
J6 | The length of time open loans have been established on the credit report is short relative to the |
J7 | The length of time retail accounts have been established on the credit report is short relative to the |
J8 | The length of time revolving/charge accounts have been established is short relative to the other |
J9 | Time since account activity on the credit report is too long relative to the other applicants scored. |
K0 | Time since delinquency on the credit report is too short relative to the other applicants scored. |
K1 | Time since derogatory adverse record or collection on the credit report is too short relative to the |
K2 | Time since most recent account opening on the credit report is too short relative to the other |
K3 | Time since most recent auto account opening on the credit report is too short relative to the other |
K5 | Time since most recent consumer finance company account opening on the credit report is too |
K6 | Time since most recent loan account opening on the credit report is too short relative to the other |
K7 | Time since most recent retail account established on the credit report is short relative to the other |
K8 | Time since most recent revolving/charge account established on the credit report is short relative |
K9 | Time since most recent sales finance company account opening on the credit report is too short |
M0 | Number of accounts currently in delinquent status on the credit report is high relative to the other |
M1 | Number of accounts with delinquency on the credit report is high relative to the other applicants |
M2 | Number of accounts with recent delinquency on the credit report is high relative to the other |
M4 | Number of active retail accounts on the credit report is high relative to the other applicants scored. |
M5 | Number of adverse records on the credit report is high relative to the other applicants scored. |
M9 | Number of collections filed on the credit report is high relative to the other applicants scored. |
N0 | Number of consumer finance company accounts established relative to the length of consumer |
N1 | Number of consumer finance company enquiries on the credit report is high relative to the other |
N2 | Number of established accounts on the credit report is high relative to the other applicants scored. |
N3 | Number of open loans on the credit report is high relative to the other applicants scored. |
N4 | Number of recently started consumer finance company accounts on the credit report is high |
N5 | Number of retail accounts on the credit report is high relative to the other applicants scored. |
N6 | Number of retail accounts with balances on the credit report is high relative to the other applicants |
N7 | Number of revolving/charge accounts is high relative to the other applicants scored. |
N8 | Number of revolving/charge accounts with balance higher than limit is high relative to the other |
P0 | Proportion of balance to limit on auto loan accounts on the credit report is too high relative to the |
P1 | Proportion of balance to limit on delinquent accounts on the credit report is too high relative to the |
P2 | Proportion of balance to limit on consumer finance company accounts on the credit report is too |
P3 | Proportion of balance to limit on retail accounts on the credit report is too high relative to the other |
P6 | Proportion of balance to limit on revolving/charge accounts on the credit report is too high relative |
P7 | Proportion of balance to limit on sales finance company accounts on the credit report is too high |
P8 | Proportion of balance to loan amount on mortgage loans on the credit report is too high relative to |
P9 | Proportion of loan balance to loan amount on the credit report is too high relative to the other |
Q0 | Proportion of revolving/charge balances to total balance is too high relative to the other applicants |
R0 | Too few accounts on the credit report are currently paid as agreed. |
R1 | Too few accounts with balances on the credit report. |
R2 | Too few accounts with recent payment information on the credit report. |
R3 | Too few active accounts on the credit report. |
R6 | Too few consumer finance company accounts with recent payment information on the credit |
R7 | Too few loan accounts on the credit report. |
R8 | Too few retail accounts on the credit report. |
R9 | Too few retail accounts with recent payment information on the credit report. |
S0 | Too few revolving/charge accounts on the credit report. |
S1 | Too few revolving/charge accounts with recent payment information on the credit report. |
S2 | Too few sales finance company accounts with recent payment information on the credit report. |
T0 | Too many accounts recently started on the credit report. |
T1 | Too many accounts with balances on the credit report. |
T3 | Too many consumer finance company accounts on the credit report. |
T4 | Too many loan accounts on the credit report |
T5 | Too many recent enquiries on the credit report. |
T6 | Too many recently active accounts on the credit report. |
T7 | Too many recently active auto accounts on the credit report. |
T9 | Too many recently active consumer finance company accounts on the credit report. |
U0 | Too many recently active loans on the credit report. |
U1 | Too many recently active retail accounts on the credit report. |
U2 | Too many recently active sales finance accounts on the credit report. |
U4 | Too many recently started accounts with balances on the credit report. |
U6 | Too many recently started consumer finance company accounts on the credit report. |
U7 | Too many recently started loan accounts on the credit report. |
U8 | Too many recently started retail accounts with balances on the credit report. |
U9 | Too many recently started revolving/charge accounts on the credit report. |
V0 | Too many recently started revolving/charge accounts with balances on the credit report. |
V1 | Too many recently started sales finance company accounts on the credit report. |
V2 | Too many retail accounts on the credit report. |
V3 | Too many revolving/charge accounts on the credit report. |
W4 | Lack of recent charge card account information on the credit report. |
W5 | No recent charge card balance on the credit report. |
W6 | Proportion of balance to credit limit on charge card accounts is too high relative to the other |
X0 | Payments are due on accounts on the credit report. |
Z0 | Legal actions present on the credit report. |
Z1 | Time since legal action on the credit report is too recent. |
Z2 | Unsettled legal items present on credit report. |
Z4 | Too many two wheeler loans on the credit report. |