Reason code/statement concordance chart

[Anonymous]

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@iv wrote:

UPDATE: version 0.4.1

Source here: https://drive.google.com/file/d/1vffiASFsGgD40eRvafoob4YqFoRt3hcB/view?usp=sharing

New feature!

In 0.4.1, Reports->Scores->Compare will display the correct Reason Code ORDER (replacing the checkmarks with 1-4).

Now you can see the correct ordering for all three CRAs directly on-screen, even for archived prior reports (not just on the current-only Scores tab).

Available for Firefox in AMO, and for Chrome in CWS. Source available in post #3.

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@iv awesome theres a link in my signature, you said it will work for archived reports, but what if someone has stopped service and the reports are not still connected to the backend? Would it still work?

When I get to firefox do I just click the link to install? 

[iv]

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@Anonymous wrote:

@iv awesome theres a link in my signature, you said it will work for archived reports, but what if someone has stopped service and the reports are not still connected to the backend? Would it still work? 

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Depends... If the GUID for the report is still in the system and accessible to the logged-in user, then going to:

secure.myfico.com/report/fico_3_report_view/score_summary?rptid=12345678-ABCD-1234-ABCD-1234567890AB

(where 12345678-ABCD-1234-ABCD-1234567890AB is the report ID, if you still have it visible on a printout or report) may still load the old report.

And if it does, then the extension would work as normal to add the codes and correct order.

But the CSV function that allows a download of all available reports pulls from the same report ID list that the UI does, so if it's not visible there, it (probably) won't be available in the CSV.

I haven't canceled/restarted service (and I'm not going to, just to test this...), so someone who has restarted service, and still has a copy of prior report GUIDs would need to test this. (They may be visible in the footer of a printout or PDF, depending on the browser used to print/save.)

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@Anonymous wrote:

When I get to firefox do I just click the link to install? 

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Yup, with either Firefox or Chrome (or related browsers that use the same extensions), just go to the linked page, and click "Add to Firefox" or "Add to Chrome". Once you do that, the Reason Code numbers will appear automatically on all Reports->Scores pages, the ordering 1-4 for codes will appear on Reports->Scores->Compare, and the CSV download of codes from all available reports will trigger on the Reports->Print page.

(Also, just a note - this is only tested and setup for 3B reports. I don't have any 1B reports to test with, so I haven't added support for those.)

[Anonymous]

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@iv wrote:

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@Anonymous wrote:

@iv awesome theres a link in my signature, you said it will work for archived reports, but what if someone has stopped service and the reports are not still connected to the backend? Would it still work? 

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Depends... If the GUID for the report is still in the system and accessible to the logged-in user, then going to:

secure.myfico.com/report/fico_3_report_view/score_summary?rptid=12345678-ABCD-1234-ABCD-1234567890AB

(where 12345678-ABCD-1234-ABCD-1234567890AB is the report ID, if you still have it visible on a printout or report) may still load the old report.

And if it does, then the extension would work as normal to add the codes and correct order.

But the CSV function that allows a download of all available reports pulls from the same report ID list that the UI does, so if it's not visible there, it (probably) won't be available in the CSV.

I haven't canceled/restarted service (and I'm not going to, just to test this...), so someone who has restarted service, and still has a copy of prior report GUIDs would need to test this. (They may be visible in the footer of a printout or PDF, depending on the browser used to print/save.)

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@Anonymous wrote:

When I get to firefox do I just click the link to install? 

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Yup, with either Firefox or Chrome (or related browsers that use the same extensions), just go to the linked page, and click "Add to Firefox" or "Add to Chrome". Once you do that, the Reason Code numbers will appear automatically on all Reports->Scores pages, the ordering 1-4 for codes will appear on Reports->Scores->Compare, and the CSV download of codes from all available reports will trigger on the Reports->Print page.

(Also, just a note - this is only tested and setup for 3B reports. I don't have any 1B reports to test with, so I haven't added support for those.)

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@iv wow that's awesome. @Anonymous May be able to test that. 

so when I go do this, it will actually catalog the codes from all my reports so then you'll be able to get all the codes at one time? that's awesome you're brilliant and a genius!

[Anonymous]

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@Anonymous wrote:

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@iv wrote:

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(Also, just a note - this is only tested and setup for 3B reports. I don't have any 1B reports to test with, so I haven't added support for those.)

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@iv wow that's awesome. @Anonymous May be able to test that. 

I lost all the 1Bs I had when I canceled my subscription back in December. And all my 1B/3B PDFs don't have the IDs in them, so that's 2 years of hidden codes lost to the Great Null & Void.

[Anonymous]

That sucks I was hoping the identifier may have been there.

[iv]

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@Anonymous wrote:

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so when I go do this, it will actually catalog the codes from all my reports so then you'll be able to get all the codes at one time?

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Yup! Just go to the Print view (for any report), wait a few seconds, and it'll generate and download a CSV of every Reason Code (with both short and long text statements) for all reports you have available. Open that up in Excel, Google Sheets, or your spreadsheet program of choice, and there you go! (And then please share the codes/text that are still missing up there in post #1! Including the 5xx "Positive" codes...)

I should probably insert a dedicated button for that, rather than just the auto-download on the print page... which would open the possibility of also adding buttons for an all-alerts download option, or a downloadable JSON package of the complete data for all reports for offline backup and/or processing.

[iv]

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@Anonymous wrote:

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I lost all the 1Bs I had when I canceled my subscription back in December. And all my 1B/3B PDFs don't have the IDs in them, so that's 2 years of hidden codes lost to the Great Null & Void.

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Oh well... probably missed most of the young/thin file codes then.

But you still might have a few of the currently-missing ones in the more recent reports, and hopefully we'll also get some other input, especially from users with various negative items. (And also the "Positive" codes - I'm increasingly convinced that they are actually more meaningful than conventional wisdom around here has believed. It looks like they are generated in the same way, from the same criteria list, as the negative codes... the "bottom" 4 criteria become the Negative Codes, and the "top" 4 criteria become the Positive Codes.)

Also, the "short" versions of the phrasing appear not to be limited to myFICO - I've been checking, and I see the same exact text used on Experian.com, CreditScoreCard.com, Discover.com... 1-to-1 match to the "short" text we see here. If that holds true, this list will be useful as a cross-reference for more than just the myFICO text reasons.

(BTW, @Anonymous - I meant it when I said I wasn't a programmer - this is the most JS I've written since... around 1996. If you have any feedback on the source, I'd appreciate it. Just don't mind the inconsistent tab/space mix, and random brace alignment! I really should run the next release through lint first.)

[Anonymous]

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@iv wrote:

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@Anonymous wrote:

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I lost all the 1Bs I had when I canceled my subscription back in December. And all my 1B/3B PDFs don't have the IDs in them, so that's 2 years of hidden codes lost to the Great Null & Void.

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Oh well... probably missed most of the young/thin file codes then.

I was really interested in the FICO 9s too. But even those were pretty boring on my file and stayed mostly the same for long periods of time - 'Short credit history, short revolving credit history, no recent loan activity, and too many accounts with a balance' (even when only 1 of 2 was reporting!).

The 8s and 5-4-2s were easy to match up from my existing PDFs since I was already parsing those for my code-generated HTML reports I had been posting since January 2019 (my first month with credit cards on file).

Again not much variety there since I have always paid down my cards to report somewhere in the 1-9% individual/aggregate range. Would have been nice to confirm the codes/reasons on the Auto scores though.

But you still might have a few of the currently-missing ones in the more recent reports, and hopefully we'll also get some other input, especially from users with various negative items. (And also the "Positive" codes - I'm increasingly convinced that they are actually more meaningful than conventional wisdom around here has believed. It looks like they are generated in the same way, from the same criteria list, as the negative codes... the "bottom" 4 criteria become the Negative Codes, and the "top" 4 criteria become the Positive Codes.)

They absolutely do mean something more and we were specifically told why here.

Tommy Lee (Director of Analytics Science at FICO): "The same FICO analytics and data science team who work on developing the FICO Score also work on the analytics driving the myFICO ingredients."

It wasn't some lone programmer off in a room somewhere developing the front-end. Analytics was there and providing input for that, if not writing actual code themselves.

Also, the "short" versions of the phrasing appear not to be limited to myFICO - I've been checking, and I see the same exact text used on Experian.com, CreditScoreCard.com, Discover.com... 1-to-1 match to the "short" text we see here. If that holds true, this list will be useful as a cross-reference for more than just the myFICO text reasons.

(BTW, @Anonymous - I meant it when I said I wasn't a programmer - this is the most JS I've written since... around 1996. If you have any feedback on the source, I'd appreciate it. Just don't mind the inconsistent tab/space mix, and random brace alignment! I really should run the next release through lint first.)

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What you're doing is more about the Document Object Model anyway. And you're doing fine.

I've been doing similar - downloading PDFs from myFICO without ever launching a browser and signing in manually - since January 2019 in C++ using yet another library for the HTML/DOM parsing. I just didn't want to manually enter the info from the reports into my credit tracking program. I never even thought to look at the HTML source on the Reports or Scores tabs! I naively thought myFICO would provide everything I needed in the PDF!

You might as well keep going now: capture the relevant data from the page and then output your own nice report layout! Theirs looks a little boring to me. lol

[Anonymous]

Absolutely and that’s awesome. I will do my best to try to get to a PC and do that today which will give us a couple years of codes and I’ve always thought the positive codes were the opposite of the negatives.

[iv]

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@Anonymous wrote:

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@iv wrote:

But you still might have a few of the currently-missing ones in the more recent reports, and hopefully we'll also get some other input, especially from users with various negative items. (And also the "Positive" codes - I'm increasingly convinced that they are actually more meaningful than conventional wisdom around here has believed. It looks like they are generated in the same way, from the same criteria list, as the negative codes... the "bottom" 4 criteria become the Negative Codes, and the "top" 4 criteria become the Positive Codes.)

They absolutely do mean something more and we were specifically told why here.

Tommy Lee (Director of Analytics Science at FICO): "The same FICO analytics and data science team who work on developing the FICO Score also work on the analytics driving the myFICO ingredients."

It wasn't some lone programmer off in a room somewhere developing the front-end. Analytics was there and providing input for that, if not writing actual code themselves.

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Yup. But I meant more specifically that the "Positive" Reasons/Score Factors being displayed (both here and other CMSs) are using the exact same Reason list as the Negative Reasons/Factors.

It looks like the entire criteria list (per scorecard) is ranked in order of most-to-least "possible points", and not only are the bottom four then listed as the "Negative Factors" (as is well-established), but the top four are specifically what is used for the "Positive Factors".

I don't think that's been clearly spelled out previously - not only are the FICO 8 "Positive Factors" not fluff... they are literally the "other end" of the normal Reason Codes, using the same list (just with the phrasing inverted).

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@Anonymous wrote:

What you're doing is more about the Document Object Model anyway. And you're doing fine.

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It started as just basic DOM modifications... it's kinda grown since then. There's more AJAX and JSON processing in there now. (These things just... grow on their own sometimes.)

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@Anonymous wrote:

I've been doing similar - downloading PDFs from myFICO without ever launching a browser and signing in manually - since January 2019 in C++ using yet another library for the HTML/DOM parsing. I just didn't want to manually enter the info from the reports into my credit tracking program. I never even thought to look at the HTML source on the Reports or Scores tabs! I naively thought myFICO would provide everything I needed in the PDF!

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Hopefully the CSV export will be useful for you - anything you want added there?

(Everything visible in the printed reports is available, plus things like the numbers behind quite a bit of the text..)

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@Anonymous wrote:

You might as well keep going now: capture the relevant data from the page and then output your own nice report layout! Theirs looks a little boring to me. lol

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Maybe! It's developing a life of it's own... But for right now, adding more detailed info to existing pages and providing offline-usable reports is enough. Maybe next week...

I did just push 0.5.2, with a bunch of new features - I'll be posting release notes in a few minutes.