All Codes
All Reason Codes
Below is a list of every reason code you might receive.
95
Version: 4.0
No negative reason code
94
Version: 4.0
No negative reason code
93
Version: 4.0
Not enough balance paid down over time on first mortgage accounts
92
Version: 4.0
Delinquent or derogatory first mortgage
91
Version: 4.0
Balances on delinquent or derogatory revolving accounts are too high
90
Version: 4.0
No open revolving accounts in your credit file
89
Version: 4.0
No negative reason code
79
Version: 4.0
No negative reason code
59
Version: 4.0
Balances on retail cards are too high compared with credit limits
49
Version: 4.0
Not enough balance paid down over time on revolving accounts
46
Version: 4.0
Oldest revolving account was opened too recently
44
Version: 4.0
Balances on revolving accts are too high compared with credit limits
43
Version: 4.0
Too many revolving accounts with high balance compared to credit limit
19
Version: 4.0
No negative reason code
97
Version: 4.0
Too few accounts
96
Version: 4.0
Too few open accounts
88
Version: 4.0
Bankruptcy
87
Version: 4.0
Unpaid collections
86
Version: 4.0
Derogatory public records
85
Version: 4.0
Too many inquiries
84
Version: 4.0
Number of inquiries was a factor in determining the score
83
Version: 4.0
No negative reason code
82
Version: 4.0
Lack of recently reported student loans
81
Version: 4.0
Not enough balance paid down over time on student loans
80
Version: 4.0
Delinquent or derogatory student loan
78
Version: 4.0
Lack of auto account information
77
Version: 4.0
No open auto accounts in your credit file
76
Version: 4.0
Delinquent or derogatory status on auto accounts is too recent
75
Version: 4.0
Payments on auto accounts less than scheduled amount
74
Version: 4.0
Balances on auto accounts are too high compared with loan amounts
73
Version: 4.0
Delinquent or derogatory auto account
72
Version: 4.0
Too few auto accounts paid as agreed
71
Version: 4.0
Not enough balance paid down over time on auto accounts
70
Version: 4.0
Too high proportion of auto accounts are delinquent or derogatory
69
Version: 4.0
Too high proportion of balances from loans not secured by real estate
68
Version: 4.0
Lack of real estate secured loan information
67
Version: 4.0
No open real estate secured loans in your credit file
66
Version: 4.0
Delinquent or derogatory status on real estate loans is too recent
65
Version: 4.0
Oldest real estate secured loan was opened too recently
64
Version: 4.0
Not enough balance paid down over time on real estate secured loans
63
Version: 4.0
Delinquent or derogatory real estate secured loan
62
Version: 4.0
Lack of first mortgage account information
61
Version: 4.0
No open first mortgage accounts in your credit file
60
Version: 4.0
Total delinquent or derogatory balances on real estate loans too high
58
Version: 4.0
Lack of installment account information
57
Version: 4.0
No open installment accounts in your credit file
56
Version: 4.0
Lack of recently reported installment accounts
55
Version: 4.0
Lack of recently reported auto accounts
54
Version: 4.0
Delinquent or derogatory status on installment accounts is too recent
53
Version: 4.0
Not enough balance paid down over time on installment accounts
52
Version: 4.0
Delinquent or derogatory installment account
51
Version: 4.0
Too few installment accounts recently paid as agreed
50
Version: 4.0
Balances on personal installment accts too high compared to loan amts
48
Version: 4.0
Lack of retail account information
47
Version: 4.0
No open retail accounts in your credit file
45
Version: 4.0
Not enough balance paid down over time on retail accounts
42
Version: 4.0
Total credit limits on open revolving accounts are too low
41
Version: 4.0
Average time since revolving accounts opened is too recent
40
Version: 4.0
Too many delinquent or derogatory revolving accounts
39
Version: 4.0
Balances on delinquent or derogatory bankcards are too high
38
Version: 4.0
Lack of bankcard account information
37
Version: 4.0
No open bankcards in your credit file
36
Version: 4.0
Lack of recently reported revolving accounts
35
Version: 4.0
Lack of revolving account information
34
Version: 4.0
Most recently opened revolving account is too new
33
Version: 4.0
Not enough balance paid down over time on bankcards
32
Version: 4.0
Oldest bankcard was opened too recently
31
Version: 4.0
Not enough available credit on revolving accounts
30
Version: 4.0
Too few open revolving accounts
29
Version: 4.0
Balances on bankcards are too high compared with credit limits
28
Version: 4.0
Average credit limit on open bankcards is too low
27
Version: 4.0
Delinquent or derogatory status on revolving accounts is too recent
26
Version: 4.0
Balances on bankcards are too high
25
Version: 4.0
Too high proportion of balances from bankcards
24
Version: 4.0
Too many bankcards with high balance compared to credit limit
23
Version: 4.0
Too high proportion of bankcards recently opened
22
Version: 4.0
Too few bankcards with high credit limit
21
Version: 4.0
Too many bankcards with a high balance
20
Version: 4.0
Delinquent or derogatory bankcard
18
Version: 4.0
Lack of account information
17
Version: 4.0
No open accounts in your credit file
16
Version: 4.0
Total of credit limits and loan amounts is too low
15
Version: 4.0
Lack of recently reported accounts
14
Version: 4.0
Too high proportion of accounts recently opened
13
Version: 4.0
Balances on delinquent or derogatory accounts are too high
12
Version: 4.0
Delinquent or derogatory status on accounts is too recent
11
Version: 4.0
Oldest account was opened too recently
10
Version: 4.0
Too few accounts paid as agreed
9
Version: 4.0
Delinquent or derogatory account
8
Version: 4.0
Too few accounts recently paid as agreed
7
Version: 4.0
Too many delinquent or derogatory accounts
6
Version: 4.0
Too many accounts recently opened
5
Version: 4.0
Too many recent delinquencies
4
Version: 4.0
Balances on accts too high compared to credit limits and loan amounts
98
Version: 3.0
There is a bankruptcy on your credit report
97
Version: 3.0
You have too few credit accounts
96
Version: 3.0
The total you owe on collection agency accounts is high
95
Version: 3.0
You have too many collection agency accounts that are unpaid
94
Version: 3.0
The balance amount paid down on your open student loan accounts is too low
93
Version: 3.0
The worst status on your student loan accounts is delinquent or derogatory
90
Version: 3.0
Too few discharged bankruptcies
88
Version: 3.0
One or more derogatory public records in your credit file is too recent
87
Version: 3.0
Your credit report contains too many unsatisfied public records
86
Version: 3.0
Your credit report contains too many derogatory public records
85
Version: 3.0
You have too many inquiries on your credit report.
84
Version: 3.0
The number of inquiries was also a factor, but effect was not significant
83
Version: 3.0
Lack of sufficient relevant installment account information
81
Version: 3.0
No open installment accounts in your credit file
79
Version: 3.0
Too many of the delinquencies on your installment accounts are recent
78
Version: 3.0
Balances on installment accounts are too high compared to their loan amounts
77
Version: 3.0
Newest delinquent or derogatory status on installment accounts is too recent
76
Version: 3.0
You have insufficient credit history on installment loans
75
Version: 3.0
The installment account that you opened most recently is too new
74
Version: 3.0
The balance amount paid down on your open installment accounts is too low
73
Version: 3.0
The worst status on your installment accounts is delinquent or derogatory
72
Version: 3.0
Too many installment accounts with a delinquent or derogatory payment status
71
Version: 3.0
You have either very few installment loans or too many with delinquencies
69
Version: 3.0
Lack of sufficient relevant auto account information
68
Version: 3.0
No open auto accounts in your credit file
66
Version: 3.0
Your open auto account balances are too high compared to their loan amounts
65
Version: 3.0
Lack of sufficient relevant first mortgage account information
64
Version: 3.0
No open first mortgage accounts in your credit file
63
Version: 3.0
Lack of sufficient relevant real estate account information
62
Version: 3.0
No recently reported real estate account information
61
Version: 3.0
No open real estate accounts in your credit file
58
Version: 3.0
The total of all balances on your open real estate accounts is too high
57
Version: 3.0
Too many real estate accounts with delinquent or derogatory payment status
55
Version: 3.0
Open real estate account balances are too high compared to their loan amounts
54
Version: 3.0
The amount of balance paid down on your open real estate accounts is too low
53
Version: 3.0
The worst status on your real estate accounts is delinquent or derogatory
49
Version: 3.0
Lack of sufficient relevant bankcard or revolving account information
48
Version: 3.0
No bankcard or revolving recently reported account information
47
Version: 3.0
No open bankcard or revolving accounts in your credit file
45
Version: 3.0
Total balances too high on delinquent/derogatory bankcard or revolving accts
44
Version: 3.0
Too many bankcard or revolving accounts with delinquent or derogatory status
43
Version: 3.0
Lack of sufficient credit history on bankcard or revolving accounts
42
Version: 3.0
The date you opened your newest bankcard or revolving account is too recent
40
Version: 3.0
The date you opened your oldest bankcard or revolving account is too recent
39
Version: 3.0
Available credit on your open bankcard or revolving accounts is too low
36
Version: 3.0
Your largest credit limit on open bankcard or revolving accounts is too low
35
Version: 3.0
Your highest bankcard or revolving account balance is too high
34
Version: 3.0
Total of all balances on bankcard or revolving accounts is too high
33
Version: 3.0
Your worst bankcard or revolving account status is delinquent or derogatory
32
Version: 3.0
Balances on bankcard or revolving accounts too high compared to credit limits
31
Version: 3.0
Too many bankcard or other revolving accounts were opened recently
30
Version: 3.0
Too few of your bankcard or other revolving accounts have high limits
29
Version: 3.0
Too many of your open bankcard or revolving accounts have a balance
23
Version: 3.0
Lack of sufficient relevant account information
22
Version: 3.0
No recently reported account information
21
Version: 3.0
No open accounts in your credit file
18
Version: 3.0
Total of balances on accounts never late is too high compared to loan amounts
17
Version: 3.0
Balances on previously delinquent accounts are too high compared to loan amts
16
Version: 3.0
The total of all balances on your open accounts is too high
15
Version: 3.0
Newest delinquent or derogatory payment status on your accounts is too recent
14
Version: 3.0
Lack of sufficient credit history
13
Version: 3.0
Your most recently opened account is too new
12
Version: 3.0
The date that you opened your oldest account is too recent
11
Version: 3.0
The total of your delinquent or derogatory account balances is too high
10
Version: 3.0
You have either very few loans or too many loans with delinquencies
9
Version: 3.0
The worst payment status on your accounts is delinquent or derogatory
8
Version: 3.0
You have either very few loans or too many loans with recent delinquencies
7
Version: 3.0
You have too many delinquent or derogatory accounts
6
Version: 3.0
You have too many accounts that were opened recently
5
Version: 3.0
Too many of the delinquencies on your accounts are recent
4
Version: 3.0
The balances on your accounts are too high compared to loan amounts
RA
Version: 2.0
You have too many open revolving credit accounts.
FB
Version: 2.0
You have too many open finance company accounts.
FA
Version: 2.0
You have too many finance company accounts.
BC
Version: 2.0
You have too many open bank credit card accounts that have been open for at least six months.
BB
Version: 2.0
You have too many open bank credit card accounts.
TN
Version: 2.0
A delinquent or derogatory item is currently the worst status on your recently opened, open accounts.
TL
Version: 2.0
A delinquent or derogatory item is the worst status on your recently opened accounts.
CE
Version: 2.0
You have a collection agency account listed on your credit report.
CG
Version: 2.0
You have a collection agency account that was recently opened.
CH
Version: 2.0
Too many of your collection agency accounts were opened recently.
CC
Version: 2.0
You have too many collection agency accounts.
CA
Version: 2.0
You have too many collection agency accounts with debts that are greater than $250.
CD
Version: 2.0
You have too many recent collection agency accounts.
10
Version: 2.0
You have no installment accounts that can be used in determining a credit score.
TW
Version: 2.0
You have had one or more delinquent or derogatory accounts since you filed your bankruptcy.
TE
Version: 2.0
You have accounts that are currently delinquent or derogatory.
TG
Version: 2.0
You have too many recently opened accounts that have been delinquent or derogatory.
AG
Version: 2.0
The newest delinquent or derogatory status on your auto accounts is too recent.
IB
Version: 2.0
You have installment accounts that are currently delinquent or derogatory.
IC
Version: 2.0
You have an installment account that is severely delinquent or derogatory.
AF
Version: 2.0
A delinquency is currently the worst status on your open auto accounts.
IG
Version: 2.0
A delinquent or derogatory item is currently the worst status on your open installment accounts.
AE
Version: 2.0
A delinquent or derogatory item is the worst status on your auto accounts in recent months.
IE
Version: 2.0
A delinquent or derogatory item is the worst status on your installment accounts in recent months.
AD
Version: 2.0
A delinquent or derogatory item is currently the worst status on your auto accounts.
IF
Version: 2.0
A delinquent or derogatory item is the worst status on your recently opened installment accounts.
AC
Version: 2.0
Too many of your auto accounts are severely delinquent or derogatory.
AB
Version: 2.0
Too many of your auto accounts have a severe delinquency.
DC
Version: 2.0
Too many of your retail credit accounts have severe delinquencies.
AA
Version: 2.0
Not enough of your auto accounts have been consistently paid on time.
BH
Version: 2.0
Not enough of your bank credit card accounts are consistently paid on time.
MB
Version: 2.0
Too many of your real estate accounts have been severely delinquent.
IA
Version: 2.0
You have too many recently opened installment accounts.
40
Version: 2.0
You have no auto accounts that can be used in determining a credit score.
50
Version: 2.0
You have no real estate accounts that can be used in determining a credit score.
RV
Version: 2.0
Too high a proportion of your revolving credit account delinquencies are recent.
3A
Version: 2.0
None of your bank credit card accounts have recently reported your payment status.
62
Version: 2.0
None of your retail revolving accounts show a credit amount.
60
Version: 2.0
You have no retail revolving accounts that can be used in determining a credit score.
36
Version: 2.0
You have no open bank credit card accounts that show a payment status.
35
Version: 2.0
You have no bank credit card accounts that show your payment status.
32
Version: 2.0
None of your bank credit card accounts show a credit amount.
30
Version: 2.0
You have no bank credit card accounts that can be used in determining a credit score.
28
Version: 2.0
None of your revolving accounts show when they were opened.
22
Version: 2.0
None of your revolving accounts show a credit amount.
20
Version: 2.0
You have no revolving credit accounts that can be used in determining a credit score.
2B
Version: 2.0
You have no recently opened revolving credit accounts.
33
Version: 2.0
You have no recently reported bank credit card accounts.
31
Version: 2.0
You have no open bank credit card accounts.
61
Version: 2.0
You have no open retail revolving accounts.
21
Version: 2.0
You have no open revolving credit accounts.
RM
Version: 2.0
The sum of the balances on delinquent or derogatory revolving accounts is too high.
RD
Version: 2.0
You have revolving credit accounts that are currently delinquent or derogatory.
BU
Version: 2.0
Too high a proportion of your bank credit card accounts have recently been delinquent or derogatory.
BJ
Version: 2.0
Too many of your bank credit card accounts have recently been delinquent or derogatory.
RE
Version: 2.0
Too many of your revolving credit accounts are delinquent or derogatory.
RR
Version: 2.0
On average, your revolving credit accounts were opened too recently.
BG
Version: 2.0
You have too few open bank credit card accounts that have been open for at least six months.
RQ
Version: 2.0
Your newest revolving credit account was opened too recently.
RP
Version: 2.0
Your oldest revolving credit account was opened too recently.
BP
Version: 2.0
The available credit on your open bank credit card accounts is too low.
RL
Version: 2.0
The available credit on your open revolving credit accounts is too low.
RN
Version: 2.0
Your average credit amount on open revolving accounts is too low.
ME
Version: 2.0
Your average credit amount on open real estate accounts is too low.
IK
Version: 2.0
Your average credit amount on installment accounts is too low.
IJ
Version: 2.0
Your sum of credit amounts on installment accounts is too low.
BR
Version: 2.0
The maximum credit amount on your open bank credit card accounts is too low.
BQ
Version: 2.0
Your average credit amount on bank credit cards is too low.
RX
Version: 2.0
Too high of a proportion of your balances are from open revolving accounts.
RK
Version: 2.0
The average balance on open revolving credit accounts is too high.
BN
Version: 2.0
The sum of your bank credit card account balances is too high.
DD
Version: 2.0
The sum of your open retail revolving credit account balances is too high.
RJ
Version: 2.0
The sum of your revolving credit account balances is too high.
BM
Version: 2.0
A delinquency is currently the worst status on your open bank credit card accounts.
BL
Version: 2.0
A delinquent or derogatory item is the worst status on your bank credit card accounts in recent months.
RG
Version: 2.0
A delinquent or derogatory item is the worst status on your revolving credit accounts in recent months.
RF
Version: 2.0
A delinquent or derogatory item is the worst status on your revolving credit accounts.
BK
Version: 2.0
A delinquent or derogatory item is the worst status on your bank credit card accounts.
RH
Version: 2.0
A delinquent or derogatory item is the worst status on your recently opened revolving credit accounts.
TQ
Version: 2.0
The balances on your open accounts are too high in comparison to their credit limits.
BS
Version: 2.0
The balances on your open bank credit card accounts are too high in comparison to their limits.
DE
Version: 2.0
The balances on your retail revolving credit accounts are too high in comparison to their credit limits.
RT
Version: 2.0
The balances on your revolving credit accounts are too high in comparison to their credit limits.
RU
Version: 2.0
The balances on your recently opened revolving accounts are too high in comparison to their credit limits.
BW
Version: 2.0
Too many of your bank credit card accounts have high utilization.
RY
Version: 2.0
Too many of your revolving credit accounts have high utilization.
BF
Version: 2.0
You have too many bank credit card accounts with high utilization.
DB
Version: 2.0
You have too many retail revolving credit accounts with high utilization.
RC
Version: 2.0
You have too many revolving credit accounts with high utilization.
RW
Version: 2.0
Too high of a proportion of your recently opened accounts are revolving accounts.
BT
Version: 2.0
Too high a proportion of your bank credit card accounts were opened recently.
BA
Version: 2.0
You have too many recently opened bank credit card accounts.
RB
Version: 2.0
You have too few revolving accounts with high credit limits.
BV
Version: 2.0
Your credit report reflects a high proportion of balances from open bank credit card accounts.
BD
Version: 2.0
You have too many open bank credit card accounts with a balance.
BE
Version: 2.0
You have too many open bank credit card accounts with a high balance.
DA
Version: 2.0
You have too many open retail revolving credit accounts with a balance.
0
Version: 2.0
You have no accounts that can be used in determining a credit score.
9
Version: 2.0
You have no open accounts with a balance.
IP
Version: 2.0
Your credit report reflects a high proportion of balances from open non-installment accounts.
RS
Version: 2.0
The newest delinquent or derogatory status on your revolving credit accounts is too recent.
TU
Version: 2.0
On average, your accounts are too new.
IH
Version: 2.0
The sum of the balances on delinquent or derogatory installment accounts is too high.
TH
Version: 2.0
Too many of your accounts have been included in a bankruptcy.
PD
Version: 2.0
There are too many public record bankruptcy filings on your credit report.
91
Version: 2.0
There is a bankruptcy on your credit report.
CF
Version: 2.0
You have a high sum of balances on collection agency accounts.
CJ
Version: 2.0
Too many of your collection accounts are unpaid.
CB
Version: 2.0
You have too many unpaid collection agency accounts.
PE
Version: 2.0
You have one or more public record judgments or tax liens that are too recent.
PB
Version: 2.0
There are too many recent public record judgments or tax liens on your credit report.
PG
Version: 2.0
Too high of a proportion of your public record judgments or tax liens are unsatisfied.
PC
Version: 2.0
There are too many unsatisfied public record judgments or tax liens on your credit report.
PF
Version: 2.0
There are one or more public record judgments or tax liens since your bankruptcy filing.
PA
Version: 2.0
There are too many public record judgments or tax liens on your credit report.
QB
Version: 2.0
You have too many inquiries on your credit report.
QA
Version: 2.0
You have too many recent inquiries on your credit report.
Q0
Version: 2.0
The number of inquiries on your credit report impacted your score, but their effect was not significant.
1A
Version: 2.0
None of your installment accounts have recently reported your payment status.
16
Version: 2.0
You have no open installment accounts that show a payment status.
12
Version: 2.0
None of your installment accounts show a credit amount.
11
Version: 2.0
You have no open installment accounts.
IN
Version: 2.0
The balances on your installment accounts are too high in comparison to their credit limits.
IM
Version: 2.0
The newest delinquent or derogatory status on your installment accounts is too recent.
IL
Version: 2.0
The amount paid on your open installment accounts is too low.
ID
Version: 2.0
A delinquent or derogatory item is the worst status on your installment accounts.
4A
Version: 2.0
None of your auto accounts have recently reported your payment status.
46
Version: 2.0
You have no open auto accounts that show a payment status.
45
Version: 2.0
You have no auto accounts that show your payment status.
5A
Version: 2.0
None of your real estate accounts have recently reported your payment status.
52
Version: 2.0
None of your real estate accounts show a credit amount.
MG
Version: 2.0
Too low of a proportion of your accounts are real estate accounts.
51
Version: 2.0
You have no open real estate accounts.
MA
Version: 2.0
You do not have enough open real estate accounts.
MF
Version: 2.0
The amount paid on your open real estate accounts is too low.
MD
Version: 2.0
A delinquent or derogatory item is currently the worst status on your open real estate accounts.
MC
Version: 2.0
A delinquent or derogatory item is the worst status on your real estate accounts in recent months.
8
Version: 2.0
None of your accounts show when they were opened.
7
Version: 2.0
You have no recently opened accounts that show a payment status.
6
Version: 2.0
You have no open accounts that show a payment status.
4
Version: 2.0
You have no accounts that currently show your payment status.
2
Version: 2.0
None of your accounts show a credit amount.
3
Version: 2.0
You have no recently reported accounts.
1
Version: 2.0
You have no open accounts.
TV
Version: 2.0
The newest delinquent or derogatory status on your reported accounts is too recent.
90
Version: 2.0
You have too few credit accounts.
TT
Version: 2.0
Your most recently opened account is too new.
TS
Version: 2.0
Time since oldest account opened is too recent.
TR
Version: 2.0
The sum of the balances on delinquent or derogatory accounts is too high.
TX
Version: 2.0
Not enough of your accounts are consistently paid on time.
TP
Version: 2.0
A delinquent or derogatory item is currently the worst performance on your accounts.
TM
Version: 2.0
A delinquent or derogatory item is currently the worst status on your open accounts.
TK
Version: 2.0
A delinquent or derogatory item is the worst status on your reported accounts.
TD
Version: 2.0
Not enough of your accounts have been paid on time in recent months.
TB
Version: 2.0
Too many of your recently reported accounts are currently delinquent.
TY
Version: 2.0
Too high of a proportion of your accounts are delinquent or derogatory.
T3
Version: 2.0
You have a high proportion of accounts that have recently been delinquent or derogatory.
T1
Version: 2.0
Too high of a proportion of your accounts have not been paid on time in recent months.
T2
Version: 2.0
You have a high proportion of accounts that have recently been severely delinquent.
TJ
Version: 2.0
Too many of your accounts have been delinquent or derogatory in recent months.
TF
Version: 2.0
You have too many open accounts that are currently delinquent.
TC
Version: 2.0
Too many of your recently reported accounts are currently delinquent or derogatory.
TZ
Version: 2.0
Too high a proportion of your accounts were opened recently.
TA
Version: 2.0
You have too many recently opened accounts.
T0
Version: 2.0
Too high a proportion of your account delinquencies are recent.
RA
Version: 1.0
You have too many open revolving credit accounts.
FB
Version: 1.0
You have too many open finance company accounts.
FA
Version: 1.0
You have too many finance company accounts.
BC
Version: 1.0
You have too many open bank credit card accounts that have been open for at least six months.
BB
Version: 1.0
You have too many open bank credit card accounts.
TN
Version: 1.0
A delinquent or derogatory item is currently the worst status on your recently opened, open accounts.
TL
Version: 1.0
A delinquent or derogatory item is the worst status on your recently opened accounts.
CE
Version: 1.0
You have a collection agency account listed on your credit report.
CG
Version: 1.0
You have a collection agency account that was recently opened.
CH
Version: 1.0
Too many of your collection agency accounts were opened recently.
CC
Version: 1.0
You have too many collection agency accounts.
CA
Version: 1.0
You have too many collection agency accounts with debts that are greater than $250.
CD
Version: 1.0
You have too many recent collection agency accounts.
10
Version: 1.0
You have no installment accounts that can be used in determining a credit score.
TW
Version: 1.0
You have had one or more delinquent or derogatory accounts since you filed your bankruptcy.
TE
Version: 1.0
You have accounts that are currently delinquent or derogatory.
TG
Version: 1.0
You have too many recently opened accounts that have been delinquent or derogatory.
AG
Version: 1.0
The newest delinquent or derogatory status on your auto accounts is too recent.
IB
Version: 1.0
You have installment accounts that are currently delinquent or derogatory.
IC
Version: 1.0
You have an installment account that is severely delinquent or derogatory.
AF
Version: 1.0
A delinquency is currently the worst status on your open auto accounts.
IG
Version: 1.0
A delinquent or derogatory item is currently the worst status on your open installment accounts.
AE
Version: 1.0
A delinquent or derogatory item is the worst status on your auto accounts in recent months.
IE
Version: 1.0
A delinquent or derogatory item is the worst status on your installment accounts in recent months.
AD
Version: 1.0
A delinquent or derogatory item is currently the worst status on your auto accounts.
IF
Version: 1.0
A delinquent or derogatory item is the worst status on your recently opened installment accounts.
AC
Version: 1.0
Too many of your auto accounts are severely delinquent or derogatory.
AB
Version: 1.0
Too many of your auto accounts have a severe delinquency.
DC
Version: 1.0
Too many of your retail credit accounts have severe delinquencies.
AA
Version: 1.0
Not enough of your auto accounts have been consistently paid on time.
BH
Version: 1.0
Not enough of your bank credit card accounts are consistently paid on time.
MB
Version: 1.0
Too many of your real estate accounts have been severely delinquent.
IA
Version: 1.0
You have too many recently opened installment accounts.
40
Version: 1.0
You have no auto accounts that can be used in determining a credit score.
50
Version: 1.0
You have no real estate accounts that can be used in determining a credit score.
RV
Version: 1.0
Too high a proportion of your revolving credit account delinquencies are recent.
3A
Version: 1.0
None of your bank credit card accounts have recently reported your payment status.
62
Version: 1.0
None of your retail revolving accounts show a credit amount.
60
Version: 1.0
You have no retail revolving accounts that can be used in determining a credit score.
36
Version: 1.0
You have no open bank credit card accounts that show a payment status.
35
Version: 1.0
You have no bank credit card accounts that show your payment status.
32
Version: 1.0
None of your bank credit card accounts show a credit amount.
30
Version: 1.0
You have no bank credit card accounts that can be used in determining a credit score.
28
Version: 1.0
None of your revolving accounts show when they were opened.
22
Version: 1.0
None of your revolving accounts show a credit amount.
20
Version: 1.0
You have no revolving credit accounts that can be used in determining a credit score.
2B
Version: 1.0
You have no recently opened revolving credit accounts.
33
Version: 1.0
You have no recently reported bank credit card accounts.
31
Version: 1.0
You have no open bank credit card accounts.
61
Version: 1.0
You have no open retail revolving accounts.
21
Version: 1.0
You have no open revolving credit accounts.
RM
Version: 1.0
The sum of the balances on delinquent or derogatory revolving accounts is too high.
RD
Version: 1.0
You have revolving credit accounts that are currently delinquent or derogatory.
BU
Version: 1.0
Too high a proportion of your bank credit card accounts have recently been delinquent or derogatory.
BJ
Version: 1.0
Too many of your bank credit card accounts have recently been delinquent or derogatory.
RE
Version: 1.0
Too many of your revolving credit accounts are delinquent or derogatory.
RR
Version: 1.0
On average, your revolving credit accounts were opened too recently.
BG
Version: 1.0
You have too few open bank credit card accounts that have been open for at least six months.
RQ
Version: 1.0
Your newest revolving credit account was opened too recently.
RP
Version: 1.0
Your oldest revolving credit account was opened too recently.
BP
Version: 1.0
The available credit on your open bank credit card accounts is too low.
RL
Version: 1.0
The available credit on your open revolving credit accounts is too low.
RN
Version: 1.0
Your average credit amount on open revolving accounts is too low.
ME
Version: 1.0
Your average credit amount on open real estate accounts is too low.
IK
Version: 1.0
Your average credit amount on installment accounts is too low.
IJ
Version: 1.0
Your sum of credit amounts on installment accounts is too low.
BR
Version: 1.0
The maximum credit amount on your open bank credit card accounts is too low.
BQ
Version: 1.0
Your average credit amount on bank credit cards is too low.
RX
Version: 1.0
Too high of a proportion of your balances are from open revolving accounts.
RK
Version: 1.0
The average balance on open revolving credit accounts is too high.
BN
Version: 1.0
The sum of your bank credit card account balances is too high.
DD
Version: 1.0
The sum of your open retail revolving credit account balances is too high.
RJ
Version: 1.0
The sum of your revolving credit account balances is too high.
BM
Version: 1.0
A delinquency is currently the worst status on your open bank credit card accounts.
BL
Version: 1.0
A delinquent or derogatory item is the worst status on your bank credit card accounts in recent months.
RG
Version: 1.0
A delinquent or derogatory item is the worst status on your revolving credit accounts in recent months.
RF
Version: 1.0
A delinquent or derogatory item is the worst status on your revolving credit accounts.
BK
Version: 1.0
A delinquent or derogatory item is the worst status on your bank credit card accounts.
RH
Version: 1.0
A delinquent or derogatory item is the worst status on your recently opened revolving credit accounts.
TQ
Version: 1.0
The balances on your open accounts are too high in comparison to their credit limits.
BS
Version: 1.0
The balances on your open bank credit card accounts are too high in comparison to their limits.
DE
Version: 1.0
The balances on your retail revolving credit accounts are too high in comparison to their credit limits.
RT
Version: 1.0
The balances on your revolving credit accounts are too high in comparison to their credit limits.
RU
Version: 1.0
The balances on your recently opened revolving accounts are too high in comparison to their credit limits.
BW
Version: 1.0
Too many of your bank credit card accounts have high utilization.
RY
Version: 1.0
Too many of your revolving credit accounts have high utilization.
BF
Version: 1.0
You have too many bank credit card accounts with high utilization.
DB
Version: 1.0
You have too many retail revolving credit accounts with high utilization.
RC
Version: 1.0
You have too many revolving credit accounts with high utilization.
RW
Version: 1.0
Too high of a proportion of your recently opened accounts are revolving accounts.
BT
Version: 1.0
Too high a proportion of your bank credit card accounts were opened recently.
BA
Version: 1.0
You have too many recently opened bank credit card accounts.
RB
Version: 1.0
You have too few revolving accounts with high credit limits.
BV
Version: 1.0
Your credit report reflects a high proportion of balances from open bank credit card accounts.
BD
Version: 1.0
You have too many open bank credit card accounts with a balance.
BE
Version: 1.0
You have too many open bank credit card accounts with a high balance.
DA
Version: 1.0
You have too many open retail revolving credit accounts with a balance.
0
Version: 1.0
You have no accounts that can be used in determining a credit score.
9
Version: 1.0
You have no open accounts with a balance.
IP
Version: 1.0
Your credit report reflects a high proportion of balances from open non-installment accounts.
RS
Version: 1.0
The newest delinquent or derogatory status on your revolving credit accounts is too recent.
TU
Version: 1.0
On average, your accounts are too new.
IH
Version: 1.0
The sum of the balances on delinquent or derogatory installment accounts is too high.
TH
Version: 1.0
Too many of your accounts have been included in a bankruptcy.
PD
Version: 1.0
There are too many public record bankruptcy filings on your credit report.
91
Version: 1.0
There is a bankruptcy on your credit report.
CF
Version: 1.0
You have a high sum of balances on collection agency accounts.
CJ
Version: 1.0
Too many of your collection accounts are unpaid.
CB
Version: 1.0
You have too many unpaid collection agency accounts.
PE
Version: 1.0
You have one or more public record judgments or tax liens that are too recent.
PB
Version: 1.0
There are too many recent public record judgments or tax liens on your credit report.
PG
Version: 1.0
Too high of a proportion of your public record judgments or tax liens are unsatisfied.
PC
Version: 1.0
There are too many unsatisfied public record judgments or tax liens on your credit report.
PF
Version: 1.0
There are one or more public record judgments or tax liens since your bankruptcy filing.
PA
Version: 1.0
There are too many public record judgments or tax liens on your credit report.
QB
Version: 1.0
You have too many inquiries on your credit report.
QA
Version: 1.0
You have too many recent inquiries on your credit report.
Q0
Version: 1.0
The number of inquiries on your credit report impacted your score, but their effect was not significant.
1A
Version: 1.0
None of your installment accounts have recently reported your payment status.
16
Version: 1.0
You have no open installment accounts that show a payment status.
12
Version: 1.0
None of your installment accounts show a credit amount.
11
Version: 1.0
You have no open installment accounts.
IN
Version: 1.0
The balances on your installment accounts are too high in comparison to their credit limits.
IM
Version: 1.0
The newest delinquent or derogatory status on your installment accounts is too recent.
IL
Version: 1.0
The amount paid on your open installment accounts is too low.
ID
Version: 1.0
A delinquent or derogatory item is the worst status on your installment accounts.
4A
Version: 1.0
None of your auto accounts have recently reported your payment status.
46
Version: 1.0
You have no open auto accounts that show a payment status.
45
Version: 1.0
You have no auto accounts that show your payment status.
5A
Version: 1.0
None of your real estate accounts have recently reported your payment status.
52
Version: 1.0
None of your real estate accounts show a credit amount.
MG
Version: 1.0
Too low of a proportion of your accounts are real estate accounts.
51
Version: 1.0
You have no open real estate accounts.
MA
Version: 1.0
You do not have enough open real estate accounts.
MF
Version: 1.0
The amount paid on your open real estate accounts is too low.
MD
Version: 1.0
A delinquent or derogatory item is currently the worst status on your open real estate accounts.
MC
Version: 1.0
A delinquent or derogatory item is the worst status on your real estate accounts in recent months.
8
Version: 1.0
None of your accounts show when they were opened.
7
Version: 1.0
You have no recently opened accounts that show a payment status.
6
Version: 1.0
You have no open accounts that show a payment status.
4
Version: 1.0
You have no accounts that currently show your payment status.
2
Version: 1.0
None of your accounts show a credit amount.
3
Version: 1.0
You have no recently reported accounts.
1
Version: 1.0
You have no open accounts.
TV
Version: 1.0
The newest delinquent or derogatory status on your reported accounts is too recent.
90
Version: 1.0
You have too few credit accounts.
TT
Version: 1.0
Your most recently opened account is too new.
TS
Version: 1.0
Time since oldest account opened is too recent.
TR
Version: 1.0
The sum of the balances on delinquent or derogatory accounts is too high.
TX
Version: 1.0
Not enough of your accounts are consistently paid on time.
TP
Version: 1.0
A delinquent or derogatory item is currently the worst performance on your accounts.
TM
Version: 1.0
A delinquent or derogatory item is currently the worst status on your open accounts.
TK
Version: 1.0
A delinquent or derogatory item is the worst status on your reported accounts.
TD
Version: 1.0
Not enough of your accounts have been paid on time in recent months.
TB
Version: 1.0
Too many of your recently reported accounts are currently delinquent.
TY
Version: 1.0
Too high of a proportion of your accounts are delinquent or derogatory.
T3
Version: 1.0
You have a high proportion of accounts that have recently been delinquent or derogatory.
T1
Version: 1.0
Too high of a proportion of your accounts have not been paid on time in recent months.
T2
Version: 1.0
You have a high proportion of accounts that have recently been severely delinquent.
TJ
Version: 1.0
Too many of your accounts have been delinquent or derogatory in recent months.
TF
Version: 1.0
You have too many open accounts that are currently delinquent.
TC
Version: 1.0
Too many of your recently reported accounts are currently delinquent or derogatory.
TZ
Version: 1.0
Too high a proportion of your accounts were opened recently.
TA
Version: 1.0
You have too many recently opened accounts.
T0
Version: 1.0