Reason code/statement concordance chart

[iv]

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@Anonymous wrote:

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And I can start a translation table to match the official with the myFICO Report variation. Usually the explanatory text on MF will point right to which code it is in my score factors thread, but that text will have slight variations that causes CTRL-F to come up empty.

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Once we've completed this list... we could also drop it into a JSON table for in-script lookups (or replacements) of the Score Factor text in the other sections of the site... so we can have both the accurate code/text, AND the correct ordering.

[iv]

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@Anonymous wrote:
Yes, it's a universal one, it seems:

10

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. The extent of your credit usage 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.

Experian will have it as:

10

Ratio of balances to credit limits on bank 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.

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Yup, editing error on the 1st-post table! Fixed.

The ones I'm really interested in seeing how they will appear are the ones that have totally different meanings for the same number between the CRAs... like 03,04,19,31,98.

[iv]

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@Anonymous wrote:

And Cassie I would be careful to conclude that a code is on other industry options just because it’s on one bureau’s.

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There are definitely differences in the published data between what codes are valid for each CRA, both for Classic, and for the Industry Options. What we need to see is if reality, as seen from these reports, actually always matches the published info...

[iv]

Still looking for codes 03,04,07,16,19-21,26,27,29,31,32,34,37-40,46

Also - can everyone share the 5xx-series codes that they are seeing for "Positive" Score Factors on FICO 8?

Those appear to have a 1-to-1 mapping to the "Negative" codes, and could help fill in the gaps...

[Curious_George2]

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@iv wrote:

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@Anonymous wrote:

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And I can start a translation table to match the official with the myFICO Report variation. Usually the explanatory text on MF will point right to which code it is in my score factors thread, but that text will have slight variations that causes CTRL-F to come up empty.

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Once we've completed this list... we could also drop it into a JSON table for in-script lookups (or replacements) of the Score Factor text in the other sections of the site... so we can have both the accurate code/text, AND the correct ordering.

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How will you know the correct ordering?

[Anonymous]

Numerical order by code number.

[iv]

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@Curious_George2 wrote:

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@iv wrote:

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@Anonymous wrote:

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And I can start a translation table to match the official with the myFICO Report variation. Usually the explanatory text on MF will point right to which code it is in my score factors thread, but that text will have slight variations that causes CTRL-F to come up empty.

---

Once we've completed this list... we could also drop it into a JSON table for in-script lookups (or replacements) of the Score Factor text in the other sections of the site... so we can have both the accurate code/text, AND the correct ordering.

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How will you know the correct ordering?

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The Score Factors listed under the top-level "Scores" menu have the correct ordering (and don't have the Compare option that causes the mis-ordering of Factors), but don't have the Reason Code data embedded in the page.

The Score Factors listed under the top-level "Reports" menu (the ones the extension works on), have the Reason Codes accessible, but (due to the Compare option), will only have the Score Factors for Equifax sorted correctly.

Once we have a complete concordance table of Reason Codes/Statements to the myFICO Score Factors text, it will be easy to match the text on the "Scores" section and add the Reason Code numbers there as well.

[Anonymous]

Agreed.

@iv here's a couple until I can get on a PC where I can get them easier. 

[Curious_George2]

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@iv wrote:

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The Score Factors listed under the top-level "Scores" menu have the correct ordering (and don't have the Compare option that causes the mis-ordering of Factors), but don't have the Reason Code data embedded in the page.

The Score Factors listed under the top-level "Reports" menu (the ones the extension works on), have the Reason Codes accessible, but (due to the Compare option), will only have the Score Factors for Equifax sorted correctly.

Once we have a complete concordance table of Reason Codes/Statements to the myFICO Score Factors text, it will be easy to match the text on the "Scores" section and add the Reason Code numbers there as well.

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I understand and fully agree with the first two paragraphs, but I don't think I share the view that the matching you describe in the third will be easy. MF uses different "friendly" reason statements on Scores, as compared to Reports. Won't any attempt to map factors across those pages have the same translation hazards that had previously plagued all of MF? Maybe I'm missing something.

Also, to my knowledge, only the most recent scores and their factors are available on Scores. Yes, the rosetta stone you describe would allow us to know which factors are presently in the top four, and their relative magnitudes. But Scores' lack of memory prevents us from understanding the past that well. Right?

[Anonymous]

Thank you for the info..