Credit Score Details & Factors

Credit Score Details

The below credit scores are not true vantage scores, but are indicative of a larger update on the user

Code	Credit Score Description
001	Tradeline owner is deceased.
004	No available tradeline data for the user

Credit Score Factors

The below codes represent the credit score factors object provided within the creditReports object.

Code	Factor Description
4	Balances on accounts are too high compared to loan amounts
5	Too many of the delinquencies on accounts are recent
6	Too many accounts that were opened recently
7	Too many delinquent or derogatory accounts
8	Either too few loans or too many loans with recent delinquencies
9	Worst payment status on accounts is delinquent or derogatory
10	Either very few loans or too many loans with delinquencies
11	Total of delinquent or derogatory account balances is too high
12	Date oldest account opened is too recent
13	Most recently opened account is too new
14	Lack of sufficient credit history
15	Newest delinquent or derogatory payment status on accounts is too recent
16	Total of all balances on open accounts is too high
17	Balance on previously delinquent accounts are too high compared to loan amounts
18	Total of balances on accounts never late is too high compared to loan amounts
21	No open accounts in credit file
22	No recently reported account information
23	Lack of sufficient relevant account information
29	Too many open bankcard or revolving accounts have a balance
30	Too few bankcard or other revolving accounts have high limits
31	Too many bankcard or other revolving accounts were opened recently
32	Balances on bankcard or other revolving accounts too high compared to credit limits
33	Worst bankcard or revolving account status is delinquent or derogatory
34	Total of all balances on bankcard or revolving accounts is too high
35	Highest bankcard or revolving account balance is too high
36	Largest credit limit on open bankcard or revolving accounts is too low
39	Available credit on open bankcard or revolving accounts is too low
40	Date oldest bankcard or revolving account opened is too recent
42	Date newest bankcard or revolving account opened is too recent
43	Lack of sufficient credit history on bankcard or revolving accounts
44	Too many bankcard or revolving accounts with delinquent or derogatory status
45	Total balances too high on delinquent or derogatory bankcard or other revolving accounts
47	No open bankcard or revolving accounts in credit file
48	No bankcard or revolving recently reported account information
49	Lack of sufficient relevant bankcard or revolving account information
53	Worst status on real estate accounts is delinquent or derogatory
54	Amount of balance paid down on open real estate accounts is too low
55	Open real estate account balances are too high compared to loan amounts
57	Too many real estate accounts with delinquent or derogatory payment status
58	Total of all balances on open real estate accounts is too high
61	No open real estate accounts in credit file
62	No recently reported real estate account information
63	Lack of sufficient relevant real estate account information
64	No open first mortgage accounts in credit file
65	Lack of sufficient relevant first mortgage account information
66	Open auto account balances are too high compared to loan amounts
68	No open auto accounts in credit file
69	Lack of sufficient relevant auto account information
71	Either very few installment loans or too many with delinquencies
72	Too many installment accounts with a delinquent or derogatory payment status
73	Worst status on installment accounts is delinquent or derogatory
74	Balance amount paid down on open installment accounts is too low
75	Installment account opened most recently is too new
76	Insufficient credit history on installment loans
77	Newest delinquent or derogatory status on installment accounts is too recent
78	Balances on installment accounts are too high compared to loan amounts
79	Too many of the delinquencies on installment accounts are recent
81	No open installment accounts in credit file
83	Lack of sufficient relevant installment account information
84	Number of inquiries was also a factor, but effect was not significant
85	Too many inquiries on your credit report.
86	Credit report contains too many derogatory public records
87	Credit report contains too many unsatisfied public records
88	One or more derogatory public records in credit file is too recent
90	Too few discharged bankruptcies
93	Worst status on student loan accounts is delinquent or derogatory
94	Balance amount paid down on open student loan accounts is too low
95	Too many collection agency accounts that are unpaid
96	Total owed on collection agency accounts is high
97	Too few credit accounts
98	Bankruptcy on credit report