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 Fair, Isaac US Credit Bureau Risk Score Reason Codes - NextGen - the NEW Credit Scores

From http://168.230.129.57/servlet/SiteDriver/Content/1701/NextGenClassic1pgr.pdf

"This chart lists the score reason codes and associated reason statements for Fair, Isaac's broad-based next generation credit bureau risk scores (NextGen), and the corresponding classic credit bureau risk scores (BEACON, EMPIRICA, the Experian/Fair, Isaac Risk Model) and their associated Industry Option SM scores (Auto, Bankcard, Installment and Personal Finance) across the major US credit reporting agencies."

"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 declination. This list is presented in alphanumerical sequence by assigned NextGen risk score reason code. The legend is as follows:"

"A number or alphanumeric code in the column specifies the code associated with the reason statement for that score."

"I/O in the column indicates that the code is only used in one or more classic Industry Options but is not currently used in the classic base model."

"A (w) indicates that the wording has slightly changed from the last published list. A blank in the column indicates that the code is not presently delivered with that particular score."

"An asterisk ( * ) indicates that the code was previously used in the classic risk scores, but will not be used in the NextGen risk scores."

Reason Statement

NextGen



Code 

Equifax
BEACON


Code

Trans Union
 EMPIRICA

Code

Experian
Experian/Fair,
Isaac Risk Model
 Code

Account payment history is too new to rate

A0

07

07

07

Accounts last reported in delinquent status

A1

 

 

 

Amount of credit available on revolving accounts

A2

 

 

 

Amount owed on accounts is too high

A3

01

01

01

Amount owed on bank/national revolving accounts

A4

 

 

 

Amount owed on collections filed

A5

 

 

 

Amount owed on delinquent accounts A6 34 31 (I/O) 34 (I/O)

A6

34

31 (I/O)

34 (I/O)

Amount owed on recently opened accounts is too high

A7

 

 

 

Amount owed on recently opened bank/national revolving accounts is too high

A8

 

 

 

Amount owed on recently opened consumer finance company accounts is too high

A9

 

 

 

Amount owed on recently opened retail accounts is too high

B0

 

 

 

Amount owed on recently opened revolving accounts is too high

B1

 

 

 

Amount owed on recently opened sales finance company accounts is too high

B2

 

 

 

Amount owed on retail accounts

B3

 

 

 

Amount owed on revolving accounts

B4

 

 

 

Amount owed on revolving accounts is too high

B5

11

11

11

Amount past due on accounts

B6

21

21

21

Bankruptcy filing reported

D0

 

 

 

Date of last inquiry too recent

D1

 

19

 

Delinquency on accounts

D2

 

 

 

Delinquency on recently opened accounts

D3

 

 

 

Derogatory public record or collection filed

D4

40

40

40

Frequency of delinquency

D5

 

 

 

Level of delinquency on accounts

D6

02

02

02

Serious delinquency

D7

39

39

39

Serious delinquency, and public record or collection filed

D8

38

38

38

Serious delinquency, derogatory public record, or collection filed

*

22

22

22

Insufficient installment payment history

F0

 

 

 

Lack of recently established credit accounts

F1

 

 

 

Lack of recently established revolving accounts

F2

 

 

 

Lack of recent auto finance loan information

F3

98 (I/O)

 

 

Lack of recent auto loan information F4 97 98 (I/O)

F4

 

97

98(I/O)

Lack of recent bank/national revolving information

F5

15 (w)

15 (w)

15 (w)

Lack of recent consumer finance company account information

F6

99 (I/O)

99 (I/O)

99 (I/O)

Lack of recent installment loan information

F7

32

04

32

Lack of recent reported mortgage loan information

F8

 

 

 

Lack of recent non-mortgage installment loan info

F9

 

 

 

Lack of recent retail account information

G0

 

 

 

Lack of recent revolving account information

G1

16

16

16

No mortgage loans reported

G2

 

 

 

No recent bank/national revolving balances

G3

 

29 (w)

29 (w)

No recent non-mortgage balance information

G4

17

17

17

No recent retail balances

G5

 

 

 

No recent revolving balances

G6

24

24

24

Length of time accounts have been established

J0

14

14

14

Length of time auto accounts have been established

J1

 

 

 

Length of time bank/national revolving accounts have been established

J2

 

 

 

Length of time consumer finance company loans have been established

J3

 

98

 

Length of time installment loans have been established

J4

25 (I/O)

 

25 (I/O)

Length of time reported mortgage accounts have been established

J5

 

 

 

Length of time open installment loans have been established

J6

 

 

36 (I/O)

Length of time retail accounts have been established

J7

 

 

 

Length of time revolving accounts have been established

J8

12

12

12

Time since account activity is too long

J9

 

 

 

Time since delinquency is too recent or unknown

K0

13

13

13

Time since derogatory public record or collection is too short

K1

20 (w)

20 (w)

20 (w)

Time since most recent account opening is too short

K2

30

30

30

Time since most recent auto account opening is too short

K3

 

 

 

Time since most recent bank/national revolving account opening is too short

K4

 

 

 

Time since most recent consumer finance company account opening is too short

K5

 

 

 

Time since most recent installment loan account opening is too short

K6

 

 

 

Time since most recent retail account established

K7

 

 

 

Time since most recent revolving account established

K8

 

 

 

Time since most recent sales finance company account opening is too short

K9

 

 

 

Number of accounts currently in delinquent status

M0

 

 

 

Number of accounts with delinquency

M1

18

18

18

Number of accounts with recent delinquency

M2

 

 

 

Number of active bank/national revolving accounts

M3

 

 

 

Number of active retail accounts

M4

 

 

 

Number of adverse/derog public records

M5

 

 

 

Number of bank/national revolving accounts with balances

M6

23 (w)

 

23 (w)

Number of bank/national revolving accounts

M7

 

 

 

Number of bank/national revolving or other revolving accounts

M8

 

26 (I/O) (w)

 

Number of collections filed

M9

 

 

 

Number of consumer finance company accounts established relative to length of consumer finance history

N0

 

 

37 (I/O)

Number of consumer finance company inquiries

N1

 

 

 

Number of established accounts

N2

28

28

28 (I/O)

Number of open installment loans

N3

 

 

 

Number of recently opened consumer finance company accounts

N4

 

 

 

Number of retail accounts

N5

 

 

 

Number of retail accounts with balances

N6

 

 

 

Number of revolving accounts

N7

26 (I/O)

 

26 (I/O)

Number of revolving accounts with balances higher than limits

N8

 

 

 

Proportion of balance to limit on auto accounts is too high

P0

 

 

 

Proportion of balance to limit on delinquent accounts is too high

P1

 

 

 

Proportion of balance to limit on consumer finance company accounts is too high

P2

 

 

 

Proportion of balance to limit on retail accounts is too high

P3

 

 

 

Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high

P5

10 (w)

10 (w)

10 (w)

Proportion of balances to credit limits on revolving accounts is too high

P6

 

 

 

Proportion of balance to limit on sales finance company accounts is too high

P7

 

 

 

Proportion of balances to loan amounts on mortgage loans is too high

P8

 

 

 

Proportion of loan balances to loan amounts is too high

P9

33

03

33

Proportion of revolving balances to total balances is too high

Q0

 

 

 

Proportion of balances to credit limits on bank/national revolving accounts is too high

Q1

 

 

 

Too few accounts currently paid as agreed

R0

19

27

19

Too few accounts with balances

R1

 

 

 

Too few accounts with recent payment information

R2

31

 

31 (I/O)

Too few active accounts

R3

 

 

 

Too few bank/national revolving accounts

R4

03 (w)

 

03 (w)

Too few bank/national revolving accounts with recent payment information

R5

 

 

 

Too few consumer finance company accounts with recent payment information

R6

 

 

 

Too few installment accounts

R7

 

 

 

Too few retail accounts

R8

 

 

 

Too few retail accounts with recent payment information

R9

 

 

 

Too few revolving accounts

S0

 

 

 

Too few revolving accounts with recent payment information

S1

 

 

 

Too few sales finance company accounts with recent payment information

S2

 

 

 

Too many accounts recently opened

T0

09

09

09

Too many accounts with balances

T1

05

05

05

Too many bank/national revolving accounts

T2

04 (w)

 

04 (w)

Too many consumer finance company accounts

T3

06

06

06

Too many installment accounts

T4

 

 

 

Too many inquiries last 12 months

T5

08

08

08

Too many recently active accounts

T6

 

 

 

Too many recently active auto accounts

T7

 

 

 

Too many recently active bank/national revolving accounts

T8

 

 

 

Too many recently active consumer finance company accounts

T9

 

 

 

Too many recently active installment loan accounts

U0

 

 

 

Too many recently active retail accounts

U1

 

 

 

Too many recently active sales finance company accounts

U2

 

 

 

Too many recently opened accounts with balances

U4

 

 

 

Too many recently opened bank/national revolving accounts

U5

 

 

 

Too many recently opened consumer finance company accounts

U6

 

 

 

Too many recently opened installment accounts

U7

 

 

 

Too many recently opened retail accounts with balances

U8

 

 

 

Too many recently opened revolving accounts

U9

 

 

 

Too many recently opened revolving accounts with balances

V0

 

 

 

Too many recently opened sales finance company accounts

V1

 

 

 

Too many retail accounts

V2

 

 

 

Too many revolving accounts

V3

 

 

 

Too many recently opened bank/national revolving accounts with balances

V4

 

 

 

Payments due on accounts

X0

 

 

46

http://168.230.129.57/servlet/SiteDriver/Content/1701/NextGenClassic1pgr.pdf

also states:

"Fair, Isaac has considered concerns of the Federal Reserve Board (FRB) and the Office of the Comptroller of the Currency (OCC) in developing the statements associated with these score reason codes. We believe that the regulatory agencies are likely to be satisfied with these reason codes and associated reason statements. In any event we recommend that Fair, Isaac be consulted whenever changes to score code reason statements are made. If this is necessary, please contact Fair, Isaac's toll-free Credit Bureau Scores Helpline at 1-800-777-2066 or cbhelp@fairisaac.com."

"Fair, Isaac and Industry Options are trademarks or registered trademarks of Fair, Isaac and Company, Inc., in the United States and/or in other countries. BEACON is a registered trademark of Equifax Credit Information Services, Inc. EMPIRICA is a registered trademark of Trans Union LLC."

"Copyright 2000 Fair, Isaac and Company, Inc."

Obviously this entire Fair Isaac document is intended for the Fair Isaac customers, the CREDITORS and is published at BayHouse in accordance with the Fair Use Clause of United States copyright law. Any recording, retransmission or other use for commercial gain is stricly prohibited.

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