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Fair Isaac's FICO Risk Factors Credit Bureau Risk Factor Reason Codes "This chart lists the score factor reason codes and reason statement description for Fair, Isaac broad-based credit bureau risk scores (BEACON®, EMPIRICA® , the Experian/Fair, Isaac® Model) and associated Industry Option Scores (Auto, Bankcard Installment, and Personal Finance) across the major credit bureaus, as well as for the credit bureau mortgage risk score UniQuote , available through Trans Union ®." "This chart may be used as a reference when taking adverse action or in customer service when responding to consumers' inquiries as to the reasons for the declination." "This list is presented in numerical sequence by assigned score factor code. Note that reason statements and codes may be duplicated when the same reason is assigned different codes for different credit bureaus, or when the same code is assigned to different reason statements for different credit bureaus." "The legend is as follows:
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