Reason code/statement concordance chart

[Anonymous]

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@Curious_George2 wrote:

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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?

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@Curious_George2 I agree with your second paragraph but for your first paragraph, first let's define the nomenclature. 'Reason Statement' would be the real published statement, 'reason code' will be the number, while 'score factor' would be the friendly statement. 

you're saying there are two sets of friendly statements? One on the report page & one on the scores page & they don't match? And if so, which one matches the mobile app? The scores tab? Wow! So we may need a second concordance chart?

[Curious_George2]

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@Anonymous wrote:

you're saying there are two sets of friendly statements? One on the report page & one on the scores page & they don't match? And if so, which one matches the mobile app? The scores tab? Wow! So we may need a second concordance chart?

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Yes. See below for examples, all from the same score (EX AU2) on the same date. From what I can see, it appears that Desktop Reports = Mobile Reports and Desktop Scores = Mobile Scores. The phrasing on Scores is more concise. I don't think these are difficult translations in most cases, but perhaps there are exceptions.

Reports on Desktop  Scores on Desktop

Reports on Mobile      Scores on Mobile

[Curious_George2]

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@Anonymous wrote:

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@Curious_George2 I agree with your second paragraph but for your first paragraph, first let's define the nomenclature. 'Reason Statement' would be the real published statement, 'reason code' will be the number, while 'score factor' would be the friendly statement. 

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I'm on board with this general goal, but I'm not a fan of using "score factors" as the name for these snippets of text. To me, the word "factors" connotes something broader. For example, I tend to think of utilization, baddies and age of credit as score factors. The things we are talking about here play the same role as Reason Statements, they just contain different words. If you want to give them their own name, I think it should identify them as variations of the published reason statements, not suggest that they are something entirely different. Maybe MF Reason Statements, myFICO Reason Statements, or MF's Friendly Reason Statements. I do recognize that the MF site calls them factors. If people think it's important to conform to that, maybe MF Factor Text or MF Factor Statements.

[iv]

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@Curious_George2 wrote:

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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.

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Ah... but just like the Reason Code numbers, which are present in the page, but not surfaced in the UI by default, both versions of the "friendly" Score Factors are there as well!

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@Curious_George2 wrote:

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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?

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Nope! Turns out that the full report data, including the REAL Score Factor/Reason Code ordering is also available!

Check out a preview of what 0.2.3 of the extension will be able to do:

[iv]

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@Anonymous wrote:

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you're saying there are two sets of friendly statements? One on the report page & one on the scores page & they don't match? And if so, which one matches the mobile app? The scores tab? Wow! So we may need a second concordance chart?

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Yup, two different versions... but both are in the raw report data, along with the correct Reason Code ordering.

We will need to add another column to the concordance, but extension 0.2.3 will make that... very easy.

[iv]

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@Curious_George2 wrote:

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@Anonymous wrote:

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@Curious_George2 I agree with your second paragraph but for your first paragraph, first let's define the nomenclature. 'Reason Statement' would be the real published statement, 'reason code' will be the number, while 'score factor' would be the friendly statement. 

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I'm on board with this general goal, but I'm not a fan of using "score factors" as the name for these snippets of text. To me, the word "factors" connotes something broader. For example, I tend to think of utilization, baddies and age of credit as score factors. The things we are talking about here play the same role as Reason Statements, they just contain different words. If you want to give them their own name, I think it should identify them as variations of the published reason statements, not suggest that they are something entirely different. Maybe MF Reason Statements, myFICO Reason Statements, or MF's Friendly Reason Statements. I do recognize that the MF site calls them factors. If people think it's important to conform to that, maybe MF Factor Text or MF Factor Statements.

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Both matching up with the labels on the site, and differentiating them from the "real" Reason Statements is important.

I labeled the header of the column in this table "myFICO Score Factor/Reason Statement (from score reports)" to hopefully make it as clear as possible.

We'll also need to differentiate the "short" versions from the "long" versions... suggestions?

[iv]

UPDATE: version 0.2.3

Source here: https://drive.google.com/file/d/171XulsWh_Ta2LGsU3iCngkdX9J7h_Hz0/view?usp=sharing

New feature!

0.2.3, in addition to just adding Reason Code numbers on the Reports screens, now has a special feature if you click the Print option on any 3B report... it will generate a downloadable CSV (tab-separated, actually) of scores, Reason Codes, and both the "short" (Scores view) and "long" (Reports view) versions of the myFICO Score Factor text, including the correct order of Reason Codes for each available report/score combo.

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

[Curious_George2]

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@iv wrote:

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@Curious_George2 wrote:

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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.

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Ah... but just like the Reason Code numbers, which are present in the page, but not surfaced in the UI by default, both versions of the "friendly" Score Factors are there as well!

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@Curious_George2 wrote:

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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?

---

Nope! Turns out that the full report data, including the REAL Score Factor/Reason Code ordering is also available!

Check out a preview of what 0.2.3 of the extension will be able to do:

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Mind. Blown!

You are a wizard.

[Anonymous]

My mind is blown that there are two different friendly statements on MF, that’s crazy. And additionally factors was the word at the top of the page, I agree it’s not a very apt description.

And wow I am so blown away as well @iv has really hooked it up! Awesome work! Could say short MF statement, long MF statement?

Come on Community!! help us finish this concordance chart!

please contribute data points!!

[iv]

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.