| Score Factor | Explanation | |---|---| | Account payment history is too new to rate | None of the credit accounts on your credit report contain enough payment information to determine if you are a responsible borrower. | | Accounts last reported in delinquent status | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your FICO® Score was hurt because your most recent late payment was too recent. | | Amount of credit available on revolving accounts | Your FICO® Score evaluates your balances in relation to available credit on revolving accounts. | | Amount owed on accounts is too high | Your FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans. | | Amount owed on bank/national revolving accounts | Your FICO® Score considers how much you owe on your revolving credit card accounts. | | Amount owed on collections filed | Your FICO® Score considers how much you owe on your collection accounts. Paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score. | | Amount owed on delinquent accounts | The amount you owe on your past-due accounts is too high. The higher the balances on past-due accounts, the greater the risk. | | Amount owed on recently opened accounts is too high | Amount owed on your recently opened credit accounts, such as credit cards and non-mortgage loans. | | Amount owed on recently opened bank/national revolving accounts is too high | Amount owed on recently opened revolving credit card accounts. | | Amount owed on recently opened consumer finance company accounts is too high | Amount owed on your recently opened consumer finance loans. | | Amount owed on recently opened retail accounts is too high | Amount owed on your recently opened retail accounts. | | Amount owed on recently opened revolving accounts is too high | Your FICO® Score considers how much you owe on your recently opened revolving accounts. | | Amount owed on recently opened sales finance company accounts is too high | Your FICO® Score considers how much you owe on your recently opened sales finance company accounts. | | Amount owed on retail accounts | Your FICO® Score considers how much you owe on your retail credit accounts. | | Amount owed on revolving accounts | Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards. | | Amount owed on revolving accounts is too high | Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards. | | Amount past due on accounts | Your FICO® Score was hurt because you have payments past due on your accounts. | | Bankruptcy filing reported | A bankruptcy filing on a credit report is a powerful predictor of future payment risk. Paying off your accounts in bankruptcy will not remove the item from your credit report. It will still be considered by your FICO® Score. Bankruptcies typically stay on your report for no more than ten years. As this item ages, its impact on your score will gradually decrease. | | Date of last inquiry too recent | Your FICO® Score was lowered due to recent credit inquiries. This factor will be considered less as time passes, provided no new inquiries are added. | | Delinquency on accounts | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors. | | Delinquency on recently opened accounts | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments on recently opened accounts. | | Derogatory public record or collection filed | A derogatory public record or collection is a powerful predictor of future payment risk. Satisfying a public record or paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 – though bankruptcies may remain for up to 10 years. | | Frequency of delinquency | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows multiple missed payments. | | Insufficient installment payment history | Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans. Having a loan along with other types of credit demonstrates that you are able to manage a variety of credit types. | | Lack of recent auto finance loan information | Your credit report shows no open auto loans or sufficient recent information about any of your auto loans. Your FICO® Score evaluates your mix of credit cards, loans, and mortgages. | | Lack of recent auto loan information | Your credit report shows no open auto loans or sufficient recent information about any of your auto loans. Your FICO® Score evaluates your mix of credit cards, loans, and mortgages. | | Lack of recent bank/national revolving information | Your credit report shows no open revolving credit card accounts or sufficient recent information about your revolving credit cards. | | Lack of recent consumer finance company account information | Your credit report shows no consumer finance loans or it does not report recent information (such as payment information) about any of your consumer finance loans. | | Lack of recent installment loan information | Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans. | | Lack of recent non-mortgage installment loan info | Your FICO® Score evaluates your mix of credit products, and your credit report shows no open installment loans (excluding mortgages) or sufficient recent information about your installment loans. | | Lack of recent reported mortgage loan information | Your FICO® Score evaluates your mix of credit cards, loans, and mortgages, and your credit report shows no open mortgage loans or sufficient recent information about your mortgage loans. | | Lack of recent retail account information | Your FICO® Score evaluates your mix of credit products, and your credit report shows no retail accounts or sufficient recent information about your retail accounts. | | Lack of recent revolving account information | Your FICO® Score evaluates your mix of credit products, and your credit report shows no open revolving accounts or sufficient recent information about your revolving accounts. | | Lack of recently established credit accounts | Your FICO® Score evaluates your credit history and your credit report shows no recently established accounts. | | Lack of recently established revolving accounts | Your FICO® Score evaluates your mix of credit products, and your credit report shows no recently established revolving accounts. | | Length of time accounts have been established | People who do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is relatively low. | | Length of time auto accounts have been established | People who do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. In your case, the age of your oldest auto loan and/or the average age of your auto loans is relatively low. | | Length of time bank/national revolving accounts have been established | The age of your oldest credit card account and/or the average age of your credit card accounts is relatively low. | | Length of time consumer finance company loans have been established | The age of your oldest consumer finance loan and/or the average age of your consumer finance loans is relatively low. | | Length of time installment loans have been established | The age of your oldest installment loan and/or the average age of your installment loan accounts is relatively low. | | Length of time open installment loans have been established | The age of your oldest open (not yet paid off) installment loan and/or the average age of your open installment loan accounts is relatively low. | | Length of time reported mortgage accounts have been established | The age of your oldest reported mortgage loan and/or the average age of your mortgage loans is relatively low. | | Length of time retail accounts have been established | The age of your oldest retail account and/or the average age of your retail accounts is relatively low. | | Length of time revolving accounts have been established | The age of your oldest revolving account and/or the average age of your revolving accounts is relatively low. | | Level of delinquency on accounts | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors. | | No mortgage loans reported | Your credit report shows no open or recently reported mortgages. | | No recent bank/national revolving balances | Your credit report shows no recent balances on your revolving credit card accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit card credit management. | | No recent non-mortgage balance information | Your credit report shows no open or recently reported credit accounts, except for possibly a mortgage. | | No recent retail balances | Your credit report shows no retail account balances or it does not show recent balance information about any of your retail accounts. | | No recent revolving balances | Your credit report shows no recent balances on your revolving accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit management. | | Number of accounts currently in delinquent status | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts that you currently have missed payments. | | Number of accounts with delinquency | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with missed payments. | | Number of accounts with recent delinquency | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with recently missed payments. | | Number of active bank/national revolving accounts | Your FICO® Score considers the total number of active revolving credit cards you have. Consumers with a moderate number of active revolving credit cards on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of active revolving credit cards. | | Number of active retail accounts | Your FICO® Score considers the total number of active retail accounts you have. Consumers with a moderate number of active retail accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of active retail accounts. | | Number of adverse/derog public records | The presence of a derogatory public record is a powerful predictor of future payment risk. Satisfying the public record will not remove the item from your credit report. It will still be considered by your FICO® Score. | | Number of bank/national revolving accounts | Your FICO® Score considers the total number of revolving credit cards you have. Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of revolving credit cards. | | Number of bank/national revolving accounts with balances | Your FICO® Score considers the number of revolving credit card accounts you have with balances. | | Number of bank/national revolving or other revolving accounts | Your FICO® Score considers the total number of revolving accounts you have. Consumers with a moderate number of revolving accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of revolving accounts. | | Number of collections filed | Satisfying the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. | | Number of consumer finance company inquiries | Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months. | | Number of established accounts | Total number of accounts on file. Consumers with a moderate number of credit accounts on their credit bureau report represent lower risk than consumers with either a relatively large number of accounts or a very limited number of accounts. | | Number of finance co accts established relative to length of finance hist | The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score. | | Number of open installment loans | Total number of open installment loans. Consumers with a moderate number of open installment loans on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of open installment loans. | | Number of recently opened consumer finance company accounts | The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score. | | Number of retail accounts | Ttotal number of retail accounts. Consumers with a moderate number of retail accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of retail accounts. | | Number of retail accounts with balances | Number of retail accounts with balances. | | Number of revolving accounts | Total number of revolving accounts. | | Number of revolving accounts with balances higher than limits | Proportion of balances to credit limits is too high on revolving credit card accounts. | | Payments due on accounts | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors. | | Proportion of balance to limit on auto accounts is too high | Your FICO® Score weighs the balances of your auto loans against the original loan amounts. | | Proportion of balance to limit on consumer finance company accounts is too high | Your FICO® Score evaluates your balances in relation to available credit on consumer finance loans. In your case, this proportion of balances to credit limits is too high on these accounts. | | Proportion of balance to limit on delinquent accounts is too high | Your FICO® Score evaluates your balances in relation to available credit on delinquent accounts. In your case, this proportion of balances to credit limits is too high on these accounts. | | Proportion of balance to limit on retail accounts is too high | Your FICO® Score evaluates your balances in relation to available credit on retail accounts. In your case, this proportion of balances to credit limits is too high on these accounts. | | Proportion of balance to limit on sales finance company accounts is too high | Your FICO® Score evaluates your balances in relation to available credit on sales finance company accounts. In your case, this proportion of balances to credit limits is too high on these accounts. | | Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high | Your FICO® Score evaluates your balances in relation to available credit on revolving credit card or other revolving accounts. In your case, this proportion of balances to credit limits is too high on these accounts. | | Proportion of balances to credit limits on bank/national revolving accounts is too high | Your FICO® Score evaluates your balances in relation to available credit on revolving credit card accounts. In your case, this proportion of balances to credit limits is too high on these accounts. | | Proportion of balances to credit limits on revolving accounts is too high | Your FICO® Score evaluates your balances in relation to available credit on revolving accounts. This credit usage ratio is one of the most important factors to your FICO® Score. In your case, this proportion of balances to credit limits is too high on these accounts. | | Proportion of balances to loan amounts on mortgage loans is too high | Your FICO® Score evaluates the balances of mortgage loans in relation to the original loan amount on your mortgages. | | Proportion of loan balances to loan amounts is too high | Your FICO® Score weighs the balances of your non-mortgage installment loans (such as auto or student loans) against the original loan amounts. | | Proportion of revolving balances to total balances is too high | Your FICO® Score evaluates your revolving balances in relation to total balances across your mix of credit accounts. In your case, this proportion of revolving balances to total balances is too high. | | Serious delinquency | The presence of a serious delinquency is a powerful predictor of future payment risk. People with previous late payments are much more likely to pay late in the future. As these items age, the impact on your FICO® Score will gradually decrease. Most late payments stay on your report for no more than 7 years. | | Serious delinquency, and public record or collection filed | The presence of a serious delinquency, derogatory public record or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years. | | Time since account activity is too long | Your FICO® Score considers accounts where you have actively used and paid your bills as agreed in the recent past. In your case, it has been too long since you have used credit. | | Time since delinquency is too recent or unknown | Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was lowered because the time since your most recent past due payment was too recent. | | Time since derogatory public record or collection is too short | The recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years. | | Time since most recent account opening is too short | Your FICO® Score considers how recently you opened a new credit account. People who recently opened a new credit account are more likely to miss future payments than those who have not. | | Time since most recent auto account opening is too short | Your FICO® Score considers how recently you opened a new auto loan. People who recently opened a new auto loan are more likely to miss future payments than those who have not. | | Time since most recent bank/national revolving account opening is too short | Your FICO® Score considers how recently you opened a new revolving credit card account. People who recently opened a new revolving credit card are more likely to miss future payments than those who have not. | | Time since most recent consumer finance company account opening is too short | Your FICO® Score considers how recently you opened a new consumer finance loan. People who recently opened a new consumer finance loans are more likely to miss future payments than those who have not. | | Time since most recent installment loan account opening is too short | Your FICO® Score considers how recently you opened a new installment loan account. People who recently opened a new installment loan are more likely to miss future payments than those who have not. | | Time since most recent retail account established | Your FICO® Score considers how recently you opened a new retail account. People who recently opened a new retail account are more likely to miss future payments than those who have not. | | Time since most recent revolving account established | Your FICO® Score considers how recently you opened a new revolving account. People who recently opened a new revolving account are more likely to miss future payments than those who have not. | | Time since most recent sales finance company account opening is too short | Your FICO® Score considers how recently you opened a new sales finance company account. People who recently opened a new sales finance company account are more likely to miss future payments than those who have not. | | Too few accounts currently paid as agreed | Your FICO® Score considers the number of accounts where you are paying your bills as agreed. In your case this number is too low because you have very few accounts or because you've missed payments recently on some of your accounts. | | Too few accounts with balances | Your FICO® Score considers the number of accounts with balances. In your case this number is too low because you have very few accounts or because you have few accounts with balances. | | Too few accounts with recent payment information | Your FICO® Score considers the number of accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information. | | Too few active accounts | Your FICO® Score considers the number of accounts which you are actively using and paying as agreed. In your case this number is too low because you have very few accounts or because you have not used your credit accounts recently. | | Too few bank/national revolving accounts | You have fewer revolving credit card accounts than other consumers with credit histories of similar length. | | Too few bank/national revolving accounts with recent payment information | Your FICO® Score considers the number of revolving credit cards with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information. | | Too few consumer finance company accounts with recent payment information | Your FICO® Score considers the number of consumer finance loans with recent payment or activity information. In your case this number is too low. | | Too few installment accounts | You have fewer installment loans than other consumers with credit histories of similar length. | | Too few retail accounts | You have fewer retail accounts than other consumers with credit histories of similar length. | | Too few retail accounts with recent payment information | Your FICO® Score considers the number of retail accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information. | | Too few revolving accounts | You have fewer revolving accounts than other consumers with credit histories of similar length. | | Too few revolving accounts with recent payment information | Your FICO® Score considers the number of revolving accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information. | | Too few sales finance company accounts with recent payment information | Your FICO® Score considers the number of sales finance company accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information. | | Too many accounts recently opened | Your FICO® Score was hurt because of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories. | | Too many accounts with balances | Your FICO® Score considers the number of accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer accounts with balances. | | Too many bank/national revolving accounts | Your FICO® Score considers the total number of revolving credit card accounts you have. Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with a relatively large number of revolving credit cards. | | Too many consumer finance company accounts | The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score. | | Too many inquiries last 12 months | Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months. | | Too many installment accounts | Your FICO® Score considers the total number of installment loans you have. Consumers with a moderate number of installment loans on their credit bureau report represent lower risk than consumers with a relatively large number of installment loans. | | Too many recently active accounts | Your FICO® Score was lowered because you recently used too many credit accounts. | | Too many recently active auto accounts | Your FICO® Score was lowered because you recently used too many auto loans. | | Too many recently active bank/national revolving accounts | Your FICO® Score was lowered because you recently used too many revolving credit cards. | | Too many recently active consumer finance company accounts | The fact that you have a recently active consumer finance loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score. | | Too many recently active installment loan accounts | Your FICO® Score was hurt because you recently used too many installment loans. | | Too many recently active retail accounts | Your FICO® Score was hurt because you recently used too many retail credit accounts. | | Too many recently active sales finance company accounts | Your FICO® Score was hurt because you recently used too many sales finance company accounts. | | Too many recently opened accounts with balances | Your FICO® Score considers the number of recently opened accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer recently opened accounts with balances. | | Too many recently opened bank/national revolving accounts | Your FICO® Score was hurt because you recently opened too many new revolving credit cards. | | Too many recently opened bank/national revolving accounts with balances | Your FICO® Score considers the number of recently opened revolving credit cards you have with balances. For credit cards, even if you pay them off in full each month, your credit report may still show a balance on those cards. The total balance on your last statement is generally the amount that is shown on your credit report. | | Too many recently opened consumer finance company accounts | The fact that you have a recently opened consumer finance loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score. | | Too many recently opened installment accounts | Your FICO® Score was hurt because you recently opened too many new installment loans. | | Too many recently opened retail accounts with balances | Your FICO® Score considers the number of recently opened retail credit cards you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer recently opened retail credit cards with balances. | | Too many recently opened revolving accounts | Opening several revolving accounts in a short time period is reflective of greater risk – especially for people with short credit histories. | | Too many recently opened revolving accounts with balances | Your FICO® Score considers the number of recently opened revolving accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer recently opened revolving accounts with balances. | | Too many recently opened sales finance company accounts | Your FICO® Score was hurt because you recently opened too many sales finance accounts. | | Too many retail accounts | Your FICO® Score considers the total number of retail credit card accounts you have. Consumers with a moderate number of retail credit cards on their credit bureau report represent lower risk than consumers with a relatively large number of retail credit cards. | | Too many revolving accounts | Your FICO® Score considers the total number of revolving accounts you have. Consumers with a moderate number of revolving accounts on their credit bureau report represent lower risk than consumers with a relatively large number of revolving accounts. |
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FICO Score Model Reason Statements

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2 years ago
Mon Jan 03, 2022 4:16 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level52 Last INQFriday, February 14, 2020 Gardening For4 years, 4 months, 5 days, 9 hours, and 16 minutes Next Level in24 days, 14 hours, and 44 minutes on July 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 4 months, 5 days, 9 hours, and 16 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 4 months, 5 days, 9 hours, and 16 minutes ago
Score FactorExplanation
Account payment history is too new to rateNone of the credit accounts on your credit report contain enough payment information to determine if you are a responsible borrower.
Accounts last reported in delinquent statusMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your FICO® Score was hurt because your most recent late payment was too recent.
Amount of credit available on revolving accountsYour FICO® Score evaluates your balances in relation to available credit on revolving accounts.
Amount owed on accounts is too highYour FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans.
Amount owed on bank/national revolving accountsYour FICO® Score considers how much you owe on your revolving credit card accounts.
Amount owed on collections filedYour FICO® Score considers how much you owe on your collection accounts. Paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score.
Amount owed on delinquent accountsThe amount you owe on your past-due accounts is too high. The higher the balances on past-due accounts, the greater the risk.
Amount owed on recently opened accounts is too highAmount owed on your recently opened credit accounts, such as credit cards and non-mortgage loans.
Amount owed on recently opened bank/national revolving accounts is too highAmount owed on recently opened revolving credit card accounts.
Amount owed on recently opened consumer finance company accounts is too highAmount owed on your recently opened consumer finance loans.
Amount owed on recently opened retail accounts is too highAmount owed on your recently opened retail accounts.
Amount owed on recently opened revolving accounts is too highYour FICO® Score considers how much you owe on your recently opened revolving accounts.
Amount owed on recently opened sales finance company accounts is too highYour FICO® Score considers how much you owe on your recently opened sales finance company accounts.
Amount owed on retail accountsYour FICO® Score considers how much you owe on your retail credit accounts.
Amount owed on revolving accountsYour FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards.
Amount owed on revolving accounts is too highYour FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards.
Amount past due on accountsYour FICO® Score was hurt because you have payments past due on your accounts.
Bankruptcy filing reportedA bankruptcy filing on a credit report is a powerful predictor of future payment risk. Paying off your accounts in bankruptcy will not remove the item from your credit report. It will still be considered by your FICO® Score. Bankruptcies typically stay on your report for no more than ten years. As this item ages, its impact on your score will gradually decrease.
Date of last inquiry too recentYour FICO® Score was lowered due to recent credit inquiries. This factor will be considered less as time passes, provided no new inquiries are added.
Delinquency on accountsMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.
Delinquency on recently opened accountsMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments on recently opened accounts.
Derogatory public record or collection filedA derogatory public record or collection is a powerful predictor of future payment risk. Satisfying a public record or paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 – though bankruptcies may remain for up to 10 years.
Frequency of delinquencyMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows multiple missed payments.
Insufficient installment payment historyYour credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans. Having a loan along with other types of credit demonstrates that you are able to manage a variety of credit types.
Lack of recent auto finance loan informationYour credit report shows no open auto loans or sufficient recent information about any of your auto loans. Your FICO® Score evaluates your mix of credit cards, loans, and mortgages.
Lack of recent auto loan informationYour credit report shows no open auto loans or sufficient recent information about any of your auto loans. Your FICO® Score evaluates your mix of credit cards, loans, and mortgages.
Lack of recent bank/national revolving informationYour credit report shows no open revolving credit card accounts or sufficient recent information about your revolving credit cards.
Lack of recent consumer finance company account informationYour credit report shows no consumer finance loans or it does not report recent information (such as payment information) about any of your consumer finance loans.
Lack of recent installment loan informationYour credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans.
Lack of recent non-mortgage installment loan infoYour FICO® Score evaluates your mix of credit products, and your credit report shows no open installment loans (excluding mortgages) or sufficient recent information about your installment loans.
Lack of recent reported mortgage loan informationYour FICO® Score evaluates your mix of credit cards, loans, and mortgages, and your credit report shows no open mortgage loans or sufficient recent information about your mortgage loans.
Lack of recent retail account informationYour FICO® Score evaluates your mix of credit products, and your credit report shows no retail accounts or sufficient recent information about your retail accounts.
Lack of recent revolving account informationYour FICO® Score evaluates your mix of credit products, and your credit report shows no open revolving accounts or sufficient recent information about your revolving accounts.
Lack of recently established credit accountsYour FICO® Score evaluates your credit history and your credit report shows no recently established accounts.
Lack of recently established revolving accountsYour FICO® Score evaluates your mix of credit products, and your credit report shows no recently established revolving accounts.
Length of time accounts have been establishedPeople who do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is relatively low.
Length of time auto accounts have been establishedPeople who do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. In your case, the age of your oldest auto loan and/or the average age of your auto loans is relatively low.
Length of time bank/national revolving accounts have been establishedThe age of your oldest credit card account and/or the average age of your credit card accounts is relatively low.
Length of time consumer finance company loans have been establishedThe age of your oldest consumer finance loan and/or the average age of your consumer finance loans is relatively low.
Length of time installment loans have been establishedThe age of your oldest installment loan and/or the average age of your installment loan accounts is relatively low.
Length of time open installment loans have been establishedThe age of your oldest open (not yet paid off) installment loan and/or the average age of your open installment loan accounts is relatively low.
Length of time reported mortgage accounts have been establishedThe age of your oldest reported mortgage loan and/or the average age of your mortgage loans is relatively low.
Length of time retail accounts have been establishedThe age of your oldest retail account and/or the average age of your retail accounts is relatively low.
Length of time revolving accounts have been establishedThe age of your oldest revolving account and/or the average age of your revolving accounts is relatively low.
Level of delinquency on accountsMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.
No mortgage loans reportedYour credit report shows no open or recently reported mortgages.
No recent bank/national revolving balancesYour credit report shows no recent balances on your revolving credit card accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit card credit management.
No recent non-mortgage balance informationYour credit report shows no open or recently reported credit accounts, except for possibly a mortgage.
No recent retail balancesYour credit report shows no retail account balances or it does not show recent balance information about any of your retail accounts.
No recent revolving balancesYour credit report shows no recent balances on your revolving accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit management.
Number of accounts currently in delinquent statusMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts that you currently have missed payments.
Number of accounts with delinquencyMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with missed payments.
Number of accounts with recent delinquencyMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with recently missed payments.
Number of active bank/national revolving accountsYour FICO® Score considers the total number of active revolving credit cards you have. Consumers with a moderate number of active revolving credit cards on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of active revolving credit cards.
Number of active retail accountsYour FICO® Score considers the total number of active retail accounts you have. Consumers with a moderate number of active retail accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of active retail accounts.
Number of adverse/derog public recordsThe presence of a derogatory public record is a powerful predictor of future payment risk. Satisfying the public record will not remove the item from your credit report. It will still be considered by your FICO® Score.
Number of bank/national revolving accountsYour FICO® Score considers the total number of revolving credit cards you have. Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of revolving credit cards.
Number of bank/national revolving accounts with balancesYour FICO® Score considers the number of revolving credit card accounts you have with balances.
Number of bank/national revolving or other revolving accountsYour FICO® Score considers the total number of revolving accounts you have. Consumers with a moderate number of revolving accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of revolving accounts.
Number of collections filedSatisfying the collection will not remove the item from your credit report. It will still be considered by your FICO® Score.
Number of consumer finance company inquiriesYour FICO® Score was lowered due to the number of credit inquiries within the last 12 months.
Number of established accountsTotal number of accounts on file. Consumers with a moderate number of credit accounts on their credit bureau report represent lower risk than consumers with either a relatively large number of accounts or a very limited number of accounts.
Number of finance co accts established relative to length of finance histThe fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.
Number of open installment loansTotal number of open installment loans. Consumers with a moderate number of open installment loans on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of open installment loans.
Number of recently opened consumer finance company accountsThe fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.
Number of retail accountsTtotal number of retail accounts. Consumers with a moderate number of retail accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of retail accounts.
Number of retail accounts with balancesNumber of retail accounts with balances.
Number of revolving accountsTotal number of revolving accounts.
Number of revolving accounts with balances higher than limitsProportion of balances to credit limits is too high on revolving credit card accounts.
Payments due on accountsMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.
Proportion of balance to limit on auto accounts is too highYour FICO® Score weighs the balances of your auto loans against the original loan amounts.
Proportion of balance to limit on consumer finance company accounts is too highYour FICO® Score evaluates your balances in relation to available credit on consumer finance loans. In your case, this proportion of balances to credit limits is too high on these accounts.
Proportion of balance to limit on delinquent accounts is too highYour FICO® Score evaluates your balances in relation to available credit on delinquent accounts. In your case, this proportion of balances to credit limits is too high on these accounts.
Proportion of balance to limit on retail accounts is too highYour FICO® Score evaluates your balances in relation to available credit on retail accounts. In your case, this proportion of balances to credit limits is too high on these accounts.
Proportion of balance to limit on sales finance company accounts is too highYour FICO® Score evaluates your balances in relation to available credit on sales finance company accounts. In your case, this proportion of balances to credit limits is too high on these accounts.
Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too highYour FICO® Score evaluates your balances in relation to available credit on revolving credit card or other revolving accounts. In your case, this proportion of balances to credit limits is too high on these accounts.
Proportion of balances to credit limits on bank/national revolving accounts is too highYour FICO® Score evaluates your balances in relation to available credit on revolving credit card accounts. In your case, this proportion of balances to credit limits is too high on these accounts.
Proportion of balances to credit limits on revolving accounts is too highYour FICO® Score evaluates your balances in relation to available credit on revolving accounts. This credit usage ratio is one of the most important factors to your FICO® Score. In your case, this proportion of balances to credit limits is too high on these accounts.
Proportion of balances to loan amounts on mortgage loans is too highYour FICO® Score evaluates the balances of mortgage loans in relation to the original loan amount on your mortgages.
Proportion of loan balances to loan amounts is too highYour FICO® Score weighs the balances of your non-mortgage installment loans (such as auto or student loans) against the original loan amounts.
Proportion of revolving balances to total balances is too highYour FICO® Score evaluates your revolving balances in relation to total balances across your mix of credit accounts. In your case, this proportion of revolving balances to total balances is too high.
Serious delinquencyThe presence of a serious delinquency is a powerful predictor of future payment risk. People with previous late payments are much more likely to pay late in the future. As these items age, the impact on your FICO® Score will gradually decrease. Most late payments stay on your report for no more than 7 years.
Serious delinquency, and public record or collection filedThe presence of a serious delinquency, derogatory public record or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.
Time since account activity is too longYour FICO® Score considers accounts where you have actively used and paid your bills as agreed in the recent past. In your case, it has been too long since you have used credit.
Time since delinquency is too recent or unknownMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was lowered because the time since your most recent past due payment was too recent.
Time since derogatory public record or collection is too shortThe recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.
Time since most recent account opening is too shortYour FICO® Score considers how recently you opened a new credit account. People who recently opened a new credit account are more likely to miss future payments than those who have not.
Time since most recent auto account opening is too shortYour FICO® Score considers how recently you opened a new auto loan. People who recently opened a new auto loan are more likely to miss future payments than those who have not.
Time since most recent bank/national revolving account opening is too shortYour FICO® Score considers how recently you opened a new revolving credit card account. People who recently opened a new revolving credit card are more likely to miss future payments than those who have not.
Time since most recent consumer finance company account opening is too shortYour FICO® Score considers how recently you opened a new consumer finance loan. People who recently opened a new consumer finance loans are more likely to miss future payments than those who have not.
Time since most recent installment loan account opening is too shortYour FICO® Score considers how recently you opened a new installment loan account. People who recently opened a new installment loan are more likely to miss future payments than those who have not.
Time since most recent retail account establishedYour FICO® Score considers how recently you opened a new retail account. People who recently opened a new retail account are more likely to miss future payments than those who have not.
Time since most recent revolving account establishedYour FICO® Score considers how recently you opened a new revolving account. People who recently opened a new revolving account are more likely to miss future payments than those who have not.
Time since most recent sales finance company account opening is too shortYour FICO® Score considers how recently you opened a new sales finance company account. People who recently opened a new sales finance company account are more likely to miss future payments than those who have not.
Too few accounts currently paid as agreedYour FICO® Score considers the number of accounts where you are paying your bills as agreed. In your case this number is too low because you have very few accounts or because you've missed payments recently on some of your accounts.
Too few accounts with balancesYour FICO® Score considers the number of accounts with balances. In your case this number is too low because you have very few accounts or because you have few accounts with balances.
Too few accounts with recent payment informationYour FICO® Score considers the number of accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.
Too few active accountsYour FICO® Score considers the number of accounts which you are actively using and paying as agreed. In your case this number is too low because you have very few accounts or because you have not used your credit accounts recently.
Too few bank/national revolving accountsYou have fewer revolving credit card accounts than other consumers with credit histories of similar length.
Too few bank/national revolving accounts with recent payment informationYour FICO® Score considers the number of revolving credit cards with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.
Too few consumer finance company accounts with recent payment informationYour FICO® Score considers the number of consumer finance loans with recent payment or activity information. In your case this number is too low.
Too few installment accountsYou have fewer installment loans than other consumers with credit histories of similar length.
Too few retail accountsYou have fewer retail accounts than other consumers with credit histories of similar length.
Too few retail accounts with recent payment informationYour FICO® Score considers the number of retail accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.
Too few revolving accountsYou have fewer revolving accounts than other consumers with credit histories of similar length.
Too few revolving accounts with recent payment informationYour FICO® Score considers the number of revolving accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.
Too few sales finance company accounts with recent payment informationYour FICO® Score considers the number of sales finance company accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.
Too many accounts recently openedYour FICO® Score was hurt because of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories.
Too many accounts with balancesYour FICO® Score considers the number of accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer accounts with balances.
Too many bank/national revolving accountsYour FICO® Score considers the total number of revolving credit card accounts you have. Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with a relatively large number of revolving credit cards.
Too many consumer finance company accountsThe fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.
Too many inquiries last 12 monthsYour FICO® Score was lowered due to the number of credit inquiries within the last 12 months.
Too many installment accountsYour FICO® Score considers the total number of installment loans you have. Consumers with a moderate number of installment loans on their credit bureau report represent lower risk than consumers with a relatively large number of installment loans.
Too many recently active accountsYour FICO® Score was lowered because you recently used too many credit accounts.
Too many recently active auto accountsYour FICO® Score was lowered because you recently used too many auto loans.
Too many recently active bank/national revolving accountsYour FICO® Score was lowered because you recently used too many revolving credit cards.
Too many recently active consumer finance company accountsThe fact that you have a recently active consumer finance loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.
Too many recently active installment loan accountsYour FICO® Score was hurt because you recently used too many installment loans.
Too many recently active retail accountsYour FICO® Score was hurt because you recently used too many retail credit accounts.
Too many recently active sales finance company accountsYour FICO® Score was hurt because you recently used too many sales finance company accounts.
Too many recently opened accounts with balancesYour FICO® Score considers the number of recently opened accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer recently opened accounts with balances.
Too many recently opened bank/national revolving accountsYour FICO® Score was hurt because you recently opened too many new revolving credit cards.
Too many recently opened bank/national revolving accounts with balancesYour FICO® Score considers the number of recently opened revolving credit cards you have with balances. For credit cards, even if you pay them off in full each month, your credit report may still show a balance on those cards. The total balance on your last statement is generally the amount that is shown on your credit report.
Too many recently opened consumer finance company accountsThe fact that you have a recently opened consumer finance loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.
Too many recently opened installment accountsYour FICO® Score was hurt because you recently opened too many new installment loans.
Too many recently opened retail accounts with balancesYour FICO® Score considers the number of recently opened retail credit cards you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer recently opened retail credit cards with balances.
Too many recently opened revolving accountsOpening several revolving accounts in a short time period is reflective of greater risk – especially for people with short credit histories.
Too many recently opened revolving accounts with balancesYour FICO® Score considers the number of recently opened revolving accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer recently opened revolving accounts with balances.
Too many recently opened sales finance company accountsYour FICO® Score was hurt because you recently opened too many sales finance accounts.
Too many retail accountsYour FICO® Score considers the total number of retail credit card accounts you have. Consumers with a moderate number of retail credit cards on their credit bureau report represent lower risk than consumers with a relatively large number of retail credit cards.
Too many revolving accountsYour FICO® Score considers the total number of revolving accounts you have. Consumers with a moderate number of revolving accounts on their credit bureau report represent lower risk than consumers with a relatively large number of revolving accounts.
Cassie
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  • Score data EQ8:792 TU8:789 EX8:788 (Nov 15)
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Re: FICO Score Model Reason Statements

2 of 26
2 years ago
Mon Jan 03, 2022 11:52 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has passed the 24 month threshold and is completely inquiry free!
BrutalBodyShots has achieved the Garden Goal !!
Level24 Last INQMonday, May 23, 2022 Gardening For2 years, 27 days, 9 hours, and 16 minutes Next Level in3 days, 14 hours, and 44 minutes on June 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 27 days, 9 hours, and 16 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached27 days, 9 hours, and 16 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved27 days, 9 hours, and 16 minutes ago
Anyone ever get the last one, "too many revolving accounts" and if so, how many did you have? Maybe the penalty is just super small, preventing it from appearing in the standard top 4 codes on most files.
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Re: FICO Score Model Reason Statements

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Wed Jan 05, 2022 12:45 am
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Birdman
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Birdman has been gardening for over 2 years.
Level27 Last INQWednesday, March 2, 2022 Gardening For2 years, 3 months, 17 days, 9 hours, and 16 minutes Next Level in12 days, 14 hours, and 44 minutes on July 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 3 months, 17 days, 9 hours, and 16 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached3 months, 17 days, 9 hours, and 16 minutes ago
BrutalBodyShots wrote: Mon Jan 03, 2022 11:52 pm Anyone ever get the last one, "too many revolving accounts" and if so, how many did you have? Maybe the penalty is just super small, preventing it from appearing in the standard top 4 codes on most files.
Around 15 or 16 on TU4.
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Re: FICO Score Model Reason Statements

4 of 26
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Wed Jan 05, 2022 12:47 am
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Birdman
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Birdman has been gardening for over 2 years.
Level27 Last INQWednesday, March 2, 2022 Gardening For2 years, 3 months, 17 days, 9 hours, and 16 minutes Next Level in12 days, 14 hours, and 44 minutes on July 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 3 months, 17 days, 9 hours, and 16 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached3 months, 17 days, 9 hours, and 16 minutes ago
@Cassie as part of CRAD, people can enter the reason codes for denial, you could number them with the code #?.
Birdman
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Re: FICO Score Model Reason Statements

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Wed Jan 05, 2022 7:47 am
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BrutalBodyShots
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BrutalBodyShots has passed the 24 month threshold and is completely inquiry free!
BrutalBodyShots has achieved the Garden Goal !!
Level24 Last INQMonday, May 23, 2022 Gardening For2 years, 27 days, 9 hours, and 16 minutes Next Level in3 days, 14 hours, and 44 minutes on June 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 27 days, 9 hours, and 16 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached27 days, 9 hours, and 16 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved27 days, 9 hours, and 16 minutes ago
Birdman wrote: Wed Jan 05, 2022 12:45 am Around 15 or 16 on TU4.
Any idea on the newer models? I was thinking maybe 20.
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Re: FICO Score Model Reason Statements

6 of 26
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Wed Jan 05, 2022 9:38 am
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Cassie
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Cassie has been gardening for over 2 years.
Level52 Last INQFriday, February 14, 2020 Gardening For4 years, 4 months, 5 days, 9 hours, and 16 minutes Next Level in24 days, 14 hours, and 44 minutes on July 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 4 months, 5 days, 9 hours, and 16 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 4 months, 5 days, 9 hours, and 16 minutes ago
Birdman wrote: Wed Jan 05, 2022 12:47 am @Cassie as part of CRAD, people can enter the reason codes for denial, you could number them with the code #?.
I've got the reason codes for all 3 bureau FICO 8 versions. I just have to format those tables and upload them.
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Re: FICO Score Model Reason Statements

7 of 26
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Tue Jan 18, 2022 3:58 pm
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aj2121
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Level25 Last INQSaturday, April 23, 2022 Gardening For2 years, 1 month, 27 days, 9 hours, and 16 minutes Next Level in3 days, 14 hours, and 44 minutes on June 23rd INQ 1yr onSunday, April 23, 2023 INQ 1yr reached1 year, 1 month, 27 days, 9 hours, and 16 minutes ago INQ 2yr onTuesday, April 23, 2024 INQ 2yr reached1 month, 27 days, 9 hours, and 16 minutes ago
BrutalBodyShots wrote: Wed Jan 05, 2022 7:47 am
Birdman wrote: Wed Jan 05, 2022 12:45 am Around 15 or 16 on TU4.
Any idea on the newer models? I was thinking maybe 20.
I am currently sitting at 19 revolving accounts :shock: I am planning to eliminate some accounts this year, but I can hold off until my scores stabilize and add one more account before doing so and see if I get the too many revolving accounts negative reason code. I don't really want to keep this many accounts moving forward, so this year will be the best chance for me to test 20 accounts. Maybe I'll app for a second card and test 21 as well. The Affinity Cash Rewards and US Bank Altitude Go are both on my radar...
aj2121
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Re: FICO Score Model Reason Statements

8 of 26
2 years ago
Tue Jan 18, 2022 4:14 pm
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BrutalBodyShots
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BrutalBodyShots has passed the 24 month threshold and is completely inquiry free!
BrutalBodyShots has achieved the Garden Goal !!
Level24 Last INQMonday, May 23, 2022 Gardening For2 years, 27 days, 9 hours, and 16 minutes Next Level in3 days, 14 hours, and 44 minutes on June 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 27 days, 9 hours, and 16 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached27 days, 9 hours, and 16 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved27 days, 9 hours, and 16 minutes ago
The problem with such a test though at least in my view is that the too many accounts reason code likely isn't a significant one in terms of adverse scoring impact. I think it could take a very optimized file in order for that negative reason statement to make the list. Of course the problem with an extremely optimized file (800+ scores) is that often negative reason statement begin to get omitted. The best score range for testing would probably be someone in the 785-799 range, so they'd still be getting 4 statements from most CMS sources.

If anyone ever does see this statement listed, I'd love to see where it lands on the list (assuming there are 4 statements) and what sort of profile we're talking.
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Re: FICO Score Model Reason Statements

9 of 26
2 years ago
Tue Jan 18, 2022 10:33 pm
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Birdman
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Level27 Last INQWednesday, March 2, 2022 Gardening For2 years, 3 months, 17 days, 9 hours, and 16 minutes Next Level in12 days, 14 hours, and 44 minutes on July 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 3 months, 17 days, 9 hours, and 16 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached3 months, 17 days, 9 hours, and 16 minutes ago
aj2121 wrote: Tue Jan 18, 2022 3:58 pm
BrutalBodyShots wrote: Wed Jan 05, 2022 7:47 am
Birdman wrote: Wed Jan 05, 2022 12:45 am Around 15 or 16 on TU4.
Any idea on the newer models? I was thinking maybe 20.
I am currently sitting at 19 revolving accounts :shock: I am planning to eliminate some accounts this year, but I can hold off until my scores stabilize and add one more account before doing so and see if I get the too many revolving accounts negative reason code. I don't really want to keep this many accounts moving forward, so this year will be the best chance for me to test 20 accounts. Maybe I'll app for a second card and test 21 as well. The Affinity Cash Rewards and US Bank Altitude Go are both on my radar...
15 or 16 bankcards I believe it is & I think it was said 26 accounts.
Birdman
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Re: FICO Score Model Reason Statements

10 of 26
2 years ago
Tue Jan 18, 2022 11:02 pm
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BrutalBodyShots
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BrutalBodyShots has achieved the Garden Goal !!
Level24 Last INQMonday, May 23, 2022 Gardening For2 years, 27 days, 9 hours, and 16 minutes Next Level in3 days, 14 hours, and 44 minutes on June 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 27 days, 9 hours, and 16 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached27 days, 9 hours, and 16 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved27 days, 9 hours, and 16 minutes ago
Total accounts on CR, meaning both open and closed?
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Re: FICO Score Model Reason Statements

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2 years ago
Wed Jan 19, 2022 10:19 am
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Birdman
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Level27 Last INQWednesday, March 2, 2022 Gardening For2 years, 3 months, 17 days, 9 hours, and 16 minutes Next Level in12 days, 14 hours, and 44 minutes on July 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 3 months, 17 days, 9 hours, and 16 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached3 months, 17 days, 9 hours, and 16 minutes ago
Not sure, @Justaguy ?
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Re: FICO Score Model Reason Statements

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Wed Jan 19, 2022 2:12 pm
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Justaguy
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Level31 Last INQTuesday, November 16, 2021 Gardening For2 years, 7 months, 3 days, 9 hours, and 16 minutes Next Level in26 days, 14 hours, and 44 minutes on July 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 7 months, 3 days, 9 hours, and 16 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached7 months, 3 days, 9 hours, and 16 minutes ago
Post contains abbreviations. Hover over or long-press words with a question mark for the definition.
According to my notes, I got “too many accounts,” with reason code 28. I don’t see that one on Cassie’s list in this thread. My memory tells me the actual text of the reason statement might have said “too few or too many,” which struck me as obnoxiously unhelpful to the consumer. My account counts on TU at the time were as follows: Revolver-ish things 10 open, 0 closed. 9 bankcards, 1 open-ended (Amex true charge card), 0 retail, 0 LOC. Loans 3 open, 13 closed. All Accounts 26 total. 13 open, 13 closed.
Justaguy
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Re: FICO Score Model Reason Statements

13 of 26
2 years ago
Wed Jan 19, 2022 3:33 pm
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BrutalBodyShots
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BrutalBodyShots has passed the 24 month threshold and is completely inquiry free!
BrutalBodyShots has achieved the Garden Goal !!
Level24 Last INQMonday, May 23, 2022 Gardening For2 years, 27 days, 9 hours, and 16 minutes Next Level in3 days, 14 hours, and 44 minutes on June 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 27 days, 9 hours, and 16 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached27 days, 9 hours, and 16 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved27 days, 9 hours, and 16 minutes ago
Good info above. At the time you saw that negative reason code, do you recall about where your scores sat and the approximate placement of the code in your list?

I've had 24 total accounts (open + closed) and have not seen that code, so I wonder if there's a threshold at maybe 25 accounts?
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Re: FICO Score Model Reason Statements

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2 years ago
Wed Jan 19, 2022 3:56 pm
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Birdman
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Birdman has been gardening for over 2 years.
Level27 Last INQWednesday, March 2, 2022 Gardening For2 years, 3 months, 17 days, 9 hours, and 16 minutes Next Level in12 days, 14 hours, and 44 minutes on July 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 3 months, 17 days, 9 hours, and 16 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached3 months, 17 days, 9 hours, and 16 minutes ago
Justaguy wrote: Wed Jan 19, 2022 2:12 pm According to my notes, I got “too many accounts,” with reason code 28. I don’t see that one on Cassie’s list in this thread. My memory tells me the actual text of the reason statement might have said “too few or too many,” which struck me as obnoxiously unhelpful to the consumer. My account counts on TU at the time were as follows: Revolver-ish things 10 open, 0 closed. 9 bankcards, 1 open-ended (Amex true charge card), 0 retail, 0 LOC. Loans 3 open, 13 closed. All Accounts 26 total. 13 open, 13 closed.
Excellent information thank you. Based on the above I would conclude it is total account count, both open and closed. I received it around that number myself. But I had not learned as much at that time. As for the bankcards, I don’t know if it’s also open and closed, but I’ve got a hunch that it is. If they did it this way on this one they probably did it this way on the other one. That would be my prediction, theory, prognostication whatever you wanna call it. Lol. Excellent information thank you very much @Justaguy Great data points like these that help us figure out things! We’ve got a great group here contributing great data points too! Once it’s automated, there’s no telling what we’re gonna learn between all of us! Not to mention all the newcomers we will have!
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: FICO Score Model Reason Statements

15 of 26
2 years ago
Wed Jan 19, 2022 4:53 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has passed the 24 month threshold and is completely inquiry free!
BrutalBodyShots has achieved the Garden Goal !!
Level24 Last INQMonday, May 23, 2022 Gardening For2 years, 27 days, 9 hours, and 16 minutes Next Level in3 days, 14 hours, and 44 minutes on June 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 27 days, 9 hours, and 16 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached27 days, 9 hours, and 16 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved27 days, 9 hours, and 16 minutes ago
@Birdman do you recall around what your scores were at the time you were able to see that negative code pertaining to number of accounts?
BrutalBodyShots
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Re: FICO Score Model Reason Statements

16 of 26
2 years ago
Wed Jan 19, 2022 7:29 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level52 Last INQFriday, February 14, 2020 Gardening For4 years, 4 months, 5 days, 9 hours, and 16 minutes Next Level in24 days, 14 hours, and 44 minutes on July 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 4 months, 5 days, 9 hours, and 16 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 4 months, 5 days, 9 hours, and 16 minutes ago
Justaguy wrote: Wed Jan 19, 2022 2:12 pm According to my notes, I got “too many accounts,” with reason code 28. I don’t see that one on Cassie’s list in this thread. My memory tells me the actual text of the reason statement might have said “too few or too many,” which struck me as obnoxiously unhelpful to the consumer.
That's the one - 'too few or too many' that shows up the most. It's on a separate PDF for the model 8 versions that FICO sent to lenders at some point. The list for this topic is from a 'master list' that has all reason statements combined from several score models and their versions. (For anyone else: Score 8 is a model and Experian 8 is a version of that model. The bureaus wanted 'product differentiation' in order to sell their services, and that's why our 3 FICO 8 scores aren't always in alignment with the same data on file.)
Cassie
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  • Score data EQ8:792 TU8:789 EX8:788 (Nov 15)
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