Your Fair Issac Credit Bureau score (FICO) is calculated using actual credit records of millions of consumers to calculate credit patterns that forecast credit performance. Through this process, FICO identifies distinctive credit patterns corresponding to the likelihood that your will make loan payments as agreed in the future.

Why did my credit file get the score it did?
To understand why your credit report scored the way it did, look at the four reason codes given with each score. These are the top reasons, in order of severity, why it did not score higher. Other factors may have contributed. These score factors will also help you understand how to increase their score over time.

For score factors in the high range, the explanation codes merely point out reasons why the file did not score even higher.

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

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