Get answers to your credit score questions

Enter a two-digit and/or text-based reason code from a credit score report or disclosure notice you’ve received. Then click on the best match for an easy-to-understand explanation of what it means.

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An informed borrower is a better borrower

We designed this online tool to help you learn more about the reason codes related to your VantageScore credit scores, which are used widely by banks, credit card companies, and other lenders. You receive reason codes with the credit scores you purchase and on certain disclosure notices that lenders provide to you.

Our goal is to help you better understand what the reason codes mean and empower you to make good decisions about your credit habits. Use the reason code look-up tool found on this page to get started. You can also learn more about reason codes with our list of frequently asked questions and take advantage of the glossary of credit scoring terms.