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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

Too high a proportion of your account delinquencies are recent.