Credit Card Center Advertiser Disclosure

Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0 Kudos

FICO Risk Score Reason Codes

[ Edited ]

Here are the reason codes used by the three main FICO scoring formulas, broken by CRA:

FICO Risk Score Reason Codes

The TU codes are for TU98, which is what is still pulled here. Beacon 5.0 is the current Equifax scoring model, found here and used by most lenders who use Equifax. Experian Fair Isaac Version 2 is what was used here back before Black Friday (2/13/2009), when Experian cut off consumer access to our own FICO EX scores.

As you can see, not every formula has exactly the same codes. Also, the order in which they are listed is not by severity. In other words, "Amount owed on accounts is too high" is not the most damaging factor, and "Derogatory public record or collection filed" is certainly not the least.

If something isn't on this list of reason codes, it doesn't affect your scores: closed by grantor, address, marital status, etc etc. If it is, it does, but it might be such a minuscule effect that it's not worth worrying about.

When a lender pulls your scores, it will be the top four negative factors that are listed. These are the ones that hurt your scores the most, in descending order.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.