| Reason |
EXP
|
TU
|
EQX
|
|
Amount Owed on accounts is too high
|
1
|
1
|
1
|
|
Delinquency on Accounts
|
2
|
2
|
2
|
|
Too few bank revolving accounts
|
3
|
N/A
|
3
|
|
Too many bank revolving accounts
|
4
|
N/A
|
4
|
|
Too many accounts with balances
|
5
|
5
|
5
|
|
Consumer Finance accounts
|
6
|
6
|
6
|
|
Account payment history too new to rate
|
7
|
7
|
7
|
|
Too many recent inquiries in last 12 months
|
8
|
8
|
8
|
|
Too many accounts opened in last 12 months
|
9
|
9
|
9
|
|
Portion of balances to credit limit too high
|
10
|
10
|
10
|
|
Amount owed on revolving accounts is too high
|
11
|
11
|
11
|
|
Length of revolving credit history is too short
|
12
|
12
|
12
|
|
Time since delinquent iss too recent of unknown
|
13
|
13
|
13
|
|
Length of credit history is too short
|
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
|
|
Too few account currently paid as agreed
|
19
|
27
|
19
|
|
Time since derogatory public record or collection
|
20
|
20
|
20
|
|
Amount past due on accounts
|
21
|
21
|
21
|
|
Serious delinquincy, collection or public record
|
22
|
22
|
22
|
|
Too many bank or accounts with balances
|
N/A
|
N/A
|
23
|
|
No recent revolving balances
|
24
|
24
|
24
|
|
Proportion of loan balance to loan amout is too high
|
33
|
3
|
33
|
|
Lack of recnt installment loan information
|
32
|
4
|
32
|
|
Date of last inquiry is too recent
|
N/A
|
19
|
N/A
|
|
Time since last account opening too short
|
30
|
30
|
30
|
|
Number of revolving accounts
|
26
|
N/A
|
26
|
|
Number of bank revolving accounts
|
N/A
|
26
|
N/A
|
|
Number of established accounts
|
28
|
28
|
28
|
|
No recent bankcard balances
|
N/A
|
29
|
N/A
|
|
Too few accounts with recent payment information
|
31
|
N/A
|
31
|
