Fico Score Factor Codes 2017-10-23T15:39:36+00:00

Fico Score Factor Codes

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NIU = Not in use for this scoring model
IS = Industry Specific Option

Experian Equifax Transunion
Reason Code (Alpha/Numeric) (Fico II) (Beacon 5.0) (FICO Classic 98/04)
Amount owed on accounts is too high A/01 01 01
Level of delinquency on accounts B/02 02 02
Too few bank revolving accounts C/03 NIU NIU
Proportion of loan balances to loan amounts is too high I/33 33 03
Too many bank or national revolving accounts D/04 04 NIU
Lack of recent installment loan information Y/32 32 04
Too many accounts with balances E/05 05 05
Too many consumer finance company accounts F/06 06 06
Account payment history is too new to rate G/07 07 07
Too many inquiries in the last 12 months H/08 08 08
Too many accounts recently opened J/09 09 09
Proportion of balance to credit limits is too high on bank revolving or other revolving accounts K/10 10 10
Amount owed on revolving accounts is too high L/11 11 11
Length of time revolving accounts have been established M/12 12 12
Time since delinquency too recent or unknown N/13 13 13
Length of time accounts have been established O/14 14 14
Lack of recent bank revolving information P/15 15 15
Lack of recent revolving account information Q/16 16 16
No recent non-mortgage balance information R/17 17 17
Number of accounts with delinquency S/18 18 18
Too few accounts currently paid as agreed T/19 19 27
Date of last inquiry too recent NIU NIU 19
Time since derogatory public record or collection too short V/20 20 20
Amount past due on accounts W/I 21 21
Serious delinquency. Derogatory public record or collection X/22 22 22
Number of bank or national revolving accounts with balances 23 23 NIU
No recent revolving balances U/I 24 24
Length of time installment loans have been established IS IS NIU
Number of revolving accounts IS IS NIU
Number of bank or other revovling accounts IS IS NIU
Too few accounts currently paid as agreed T/27 19 27
Number of established accounts IS 28 28
No recent bankcard balances 29 NIU 29
Date of last inquiry too recent NIU NIU 19
Time since most recent account opening is too short Z/30 30 30
Too few accounts with recent payment information I/O 31 NIU
Amount owed on delinquent accounts 34 34 IS
Lack of recent installment loan information Y/32 32 04
Proportion of loan balances to loan amounts is too high I/33 33 03
Amount owed on delinquent accounts IS 34 31
Payment due on accounts 45 NIU NIU
Length of time open installment loans have beenestablished IS NIU NIU
Number of consumer finance company accounts established relative to length of consumer finance history IS NIU NIU
Serious delinquency and public record or collection filed 38 38 38
Serious delinquency 39 39 39
Derogatory public record or collection filed 40 40 40
Lack of recent auto loan information 98 NIU IS
Length of time consumer finance company loans have been established NIU NIU 98
Lack of recent auto loan information NIU NIU 97
Lack of recent auto finance loan information NIU IS NIU
Lack of recent consumer finance company account information IS IS IS

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