70 - Reference "Reason Code"

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
scored.

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
other applicants scored.

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
applicants scored.

B2

Amount owed on recently started sales finance company accounts is too high relative to the other
applicants scored.

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
report.

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
applicants scored.

J1

The length of time auto loans have been established on the credit report is short relative to the
other applicants scored.

J3

The length of time consumer finance company loans have been established on the credit report is
short relative to the other applicants scored.

J4

The length of time loans have been established on the credit report is short relative to the other
applicants scored.

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
other applicants scored.

J7

The length of time retail accounts have been established on the credit report is short relative to the
other applicants scored.

J8

The length of time revolving/charge accounts have been established is short relative to the other
applicants scored.

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
other applicants scored.

K2

Time since most recent account opening on the credit report is too short relative to the other
applicants scored.

K3

Time since most recent auto account opening on the credit report is too short relative to the other
applicants scored.

K5

Time since most recent consumer finance company account opening on the credit report is too
short relative to the other applicants scored.

K6

Time since most recent loan account opening on the credit report is too short relative to the other
applicants scored.

K7

Time since most recent retail account established on the credit report is short relative to the other
applicants scored.

K8

Time since most recent revolving/charge account established on the credit report is short relative
to the other applicants scored.

K9

Time since most recent sales finance company account opening on the credit report is too short
relative to the other applicants scored.

M0

Number of accounts currently in delinquent status on the credit report is high relative to the other
applicants scored.

M1

Number of accounts with delinquency on the credit report is high relative to the other applicants
scored.

M2

Number of accounts with recent delinquency on the credit report is high relative to the other
applicants scored.

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
finance history is high relative to the other applicants scored.

N1

Number of consumer finance company enquiries on the credit report is high relative to the other
applicants scored.

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
relative to the other applicants scored.

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
scored.

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
applicants scored.

P0

Proportion of balance to limit on auto loan accounts on the credit report is too high relative to the
other applicants scored.

P1

Proportion of balance to limit on delinquent accounts on the credit report is too high relative to the
other applicants scored.

P2

Proportion of balance to limit on consumer finance company accounts on the credit report is too
high relative to the other applicants scored.

P3

Proportion of balance to limit on retail accounts on the credit report is too high relative to the other
applicants scored.

P6

Proportion of balance to limit on revolving/charge accounts on the credit report is too high relative
to the other applicants scored.

P7

Proportion of balance to limit on sales finance company accounts on the credit report is too high
relative to the other applicants scored.

P8

Proportion of balance to loan amount on mortgage loans on the credit report is too high relative to
the other applicants scored.

P9

Proportion of loan balance to loan amount on the credit report is too high relative to the other
applicants scored.

Q0

Proportion of revolving/charge balances to total balance is too high relative to the other applicants
scored.

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
report.

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
applicants scored.

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.