Be aware that you have the right to know why you've been denied a credit account.
CREDIT BUREAU RISK SCORE REASONS |
EQUIFAX
FACTA BEACON 5.0
|
TRANS UNION
EMPIRICA
98
|
EXPERIAN
FAIR ISAAC
VER 2
|
| Amount owed on accounts is too high |
1
|
1
|
1
|
| Level of delinquency on accounts |
2
|
2
|
2
|
| Too few bank revolving accounts |
3
|
N/A
|
3
|
| Too many bank or national revolving accounts |
4
|
N/A
|
4
|
| Too many accounts with balances |
5
|
5
|
5
|
| Too many consumer finance company accounts |
6
|
6
|
6
|
| Account payment history is too new to rate |
7
|
7
|
7
|
| Too many recent inquiries last 12 months |
8
|
8
|
8
|
| Too many accounts recently opened |
9
|
9
|
9
|
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
|
10
|
10
|
10
|
| Amount owed on revolving accounts is too high |
11
|
11
|
11
|
| Length of time revolving accounts have been established |
12
|
12
|
12
|
| Time since delinquency is too recent or unknown |
13
|
13
|
13
|
| Length of time accounts have been established |
14
|
14
|
14
|
| Lack of recent bank revolving information |
15
|
15
|
15
|
| Lack of recent revolving account information |
16
|
16
|
16
|
| No recent non-mortgage balance information |
17
|
17
|
17
|
| Number of accounts with delinquency |
18
|
18
|
18
|
| Date of last inquiry too recent |
N/A
|
19
|
N/A
|
| Too few accounts currently paid as agreed |
19
|
27
|
19
|
| Length of time since derogatory public record or collection is too short |
20
|
20
|
20
|
| Amount past due on accounts |
21
|
21
|
21
|
| Serious delinquency, derogatory public record or collection filed |
22
|
22
|
22
|
| Number of bank or national revolving accounts with balances |
23
|
N/A
|
23
|
| No recent revolving balances |
24
|
24
|
24
|
| Number of revolving accounts |
26
|
N/A
|
26
|
| Number of established accounts |
28
|
28
|
28
|
| No recent bankcard balances |
N/A
|
29
|
29
|
| Time since most recent account opening too short |
30
|
30
|
30
|
| Too few accounts with recent payment information |
31
|
N/A
|
31
|
| Lack of recent installment loan information |
32
|
4
|
32
|
| Proportion of loan balances to loan amounts is too high |
33
|
3
|
33
|
| Amount owed on delinquent accounts |
34
|
31
|
34
|
| Serious delinquency and public record or collection filed |
38
|
38
|
38
|
| Serious delinquency |
39
|
39
|
39
|
| Derogatory public record or collection filed |
40
|
40
|
40
|
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