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Score Factors: Reason Statements with Explanations

Valued Contributor

Score Factors: Reason Statements with Explanations

Aiming for the most complete collection of Score Factors / Reason Statements / Reason Codes on the internet.

 

CONTAINMENT FIELD

Score Version

Score Factor List

EX FICO 8

Link

TU FICO 8

Link

EQ FICO 8

Link

EX FICO 2

Link

TU FICO 4

Link

EQ FICO 5

Link

VS3

Link

 

FICO Score Factors Full List

A through N

Link

[70 Factors]

P through T

Link

[64 Factors]

 

Reason Differentials

FICO 8

Link

MORTGAGE SCORES

Link

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 1 of 24
23 REPLIES 23
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Valued Contributor

EX 8 - Score Factors

EXPERIAN - FICO SCORE 8 - SCORE FACTORS

Reason Code

Reason Statement

Explanation

7

Account payment history is too new to rate

None of the credit accounts on your credit report contain enough payment information to determine if you are a responsible borrower.

1

Amount owed on accounts is too high

Your FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans.

34

Amount owed on delinquent accounts

The amount you owe on your past-due accounts is too high. The higher the balances on past-due accounts, the greater the risk.

70

Amount owed on mortgage loans is too high

Your credit report shows that the amount you owe on one or more mortgage loans is too high.

56

Amount owed on retail accounts

Your FICO® Score considers how much you owe on your retail credit accounts.

11

Amount owed on revolving accounts is too high

Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards.

55

Amount paid down on open installment loans is too low

Your score was impacted because of the relatively high amount owed on open installment loans in relation to their original loan amounts.

53

Amount paid down on open mortgage loans is too low

Your score was impacted because of the relatively high amount you owe on mortgages in relation to their original amounts.

21

Amount past due on accounts

Your FICO® Score was hurt because you have payments past due on your accounts. Generally, the greater amount that is past due, the greater the risk to lenders.

40

Derogatory public record or collection filed

FICO® Scores consider the presence of a derogatory public record (such as a bankruptcy or tax lien) or collection on a person’s credit report as a powerful predictor of future payment risk. Your score was impacted because your report shows one or more public record or collection activity.

81

Frequency of delinquency

Number of late payments, how late they were, and how recently they occurred. Your score was impacted because your credit report shows too many delinquencies.

98

Lack of recent auto loan information

Your score was impacted because your credit report does not show any open auto loans or sufficient recent information about any of your auto loans.

15

Lack of recent bank/national revolving information

Your credit report shows no open revolving credit card accounts or sufficient recent information about your revolving credit cards.

99

Lack of recent consumer finance company account information

FICO® Scores consider whether a person has a consumer finance company loan on their credit report. Your score was impacted because your credit report does not show any recent consumer finance company account information. People with no reported recent information (such as payment information) about any consumer finance loans on their credit report tend to show lower risk to lenders. 

32

Lack of recent installment loan information

Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans.

79

Lack of recent reported mortgage loan information

Your score was impacted because your credit report shows no open mortgage loans, or insufficient recent information about your mortgage loans.

50

Lack of recent retail account information

Your credit report shows no retail accounts or sufficient recent information about your retail accounts.

16

Lack of recent revolving account information

Your FICO® Score evaluates your mix of credit products, and your credit report shows no open revolving accounts or sufficient recent information about your revolving accounts.

59

Lack of recent revolving HELOC information

FICO® Scores evaluate the mix of credit products on a person’s credit report, including information regarding revolving home equity lines of credit (HELOC) accounts. Your score was impacted because your credit report shows no open HELOCs, or insufficient recent information about HELOCs. 

14

Length of time accounts have been established

The age of your oldest account and/or the average age of your accounts is relatively low. [AoOA and/or AAoA.]

65

Length of time bank/national revolving accounts have been established

FICO® Scores consider the frequency of new credit card openings and the length of time credit cards have been open on a person’s credit report. Your score was impacted by the relatively low age of your oldest credit card account and/or the relatively low average age of your credit card accounts. [AoORA and/or AAoRA.]

25

Length of time installment loans have been established

The age of your oldest installment loan and/or the average age of your installment loan accounts is relatively low. [AoOIA and/or AAoIA.]

36

Length of time open installment loans have been established

FICO® Scores consider the age of the oldest open (not yet paid off) installment loan and/or the average age of open installment loans on a person’s credit report. Your score was impacted by the relatively low age of your oldest open installment loan and/or the relatively low average age of your open installment loans. [AoOOIA and/or AAoOIA.]

67

Length of time open mortgage loans have been established

FICO® Scores consider the length of time since a mortgage account has been established, since newer mortgages tend to have the potential for greater risk. Your score was impacted by the relatively younger age of your oldest open mortgage loan and/or the relatively younger average age of your open mortgage loans. [AoOOMA and/or AAoOMA.]

78

Length of time reported mortgage accounts have been established

FICO® Scores consider the frequency of new mortgage account openings and the length of time that accounts have been open as shown on a person’s credit report. Your score was impacted because the age of your oldest reported mortgage loan and/or the average age of your mortgage loans is relatively low. [AoOMA and/or AAoMA.]

12

Length of time revolving accounts have been established

The age of your oldest revolving account and/or the average age of your revolving accounts is relatively low. [AoORA and/or AAoRA.]

2

Level of delinquency on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

17

No recent non-mortgage balance information

Your credit report shows no open or recently reported credit accounts, except for possibly a mortgage.

41

No recent retail balances

Your credit report shows no retail account balances or it does not report recent balance information about any of your retail accounts.

24

No recent revolving balances

Your credit report shows no recent balances on your revolving accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit management.

18

Number of accounts with delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with missed payments.

28

Number of established accounts

FICO® Scores look at the total number of accounts on a person’s credit report. Your score was impacted because you have either a relatively high or low number of accounts on your credit report.

26

Number of revolving accounts

Consumers with a moderate number of revolving accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of revolving accounts.

46

Payments due on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

77

Proportion of balances to loan amounts on auto accounts is too high

FICO® Scores evaluate the balances in relation to the original loan amount on automobile loans on a person’s credit report. Your score was impacted because you have relatively high auto loan account balances in relation to the original loan amounts.

58

Proportion of balances to loan amounts on mortgage loans is too high

FICO® Scores evaluate the balances of mortgage loans in relation to the original mortgage loan amounts on a person’s credit report. Your score was impacted because of relatively high mortgage loan balances in relation to original mortgage loan amounts.

33

Proportion of loan balances to loan amounts is too high

Your FICO® Score weighs the balances of your non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when you first obtain an installment loan your balance is high, and as you pay this loan down, the balance decreases.

64

Proportion of revolving HELOC balances to total revolving balances is too high

FICO® Scores evaluate the balances of revolving home equity line of credit (HELOC) accounts in relation to the total revolving balances on a person’s credit report. Your score was impacted because this proportion is too high.

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.

62

Ratio of balances to credit limits on revolving HELOC accounts is too high

FICO® Scores evaluate balances in relation to available credit on home equity lines of credit (HELOC) on a person’s credit report. Your score was impacted because your balances on your HELOCs are relatively high in proportion to your HELOC credit limits.

39

Serious delinquency

FICO® Scores consider the presence of a serious delinquency (very late payment) on a person’s credit report as a powerful predictor of future payment risk. Your score was impacted because your credit report shows one or more serious delinquencies. Most late payments stay on your report for no more than seven years.

38

Serious delinquency, and public record or collection filed

Your score was impacted because your credit report shows a public record or collection in addition to a delinquency. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score.

13

Time since delinquency is too recent or unknown

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because the time since your most recent past due payment was too recent.

20

Time since derogatory public record or collection is too short

The recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

30

Time since most recent account opening is too short

Your FICO® Score considers how recently you opened a new credit account. People who recently opened a new credit account are more likely to miss future payments than those who have not.

19

Too few accounts currently paid as agreed

Your FICO® Score considers the number of accounts where you are paying your bills as agreed. In your case this number is too low because you have very few accounts or because you've missed payments recently on some of your accounts.

31

Too few accounts with recent payment information

The number of accounts with recent payment or activity information is too low because you have very few accounts or because you have few accounts with recent payment or activity information.

85

Too few active accounts

FICO® Scores consider the number of accounts which a person is actively using and paying as agreed as shown on their credit report. Your score was impacted by having very few accounts, or not using your accounts recently.

3

Too few bank/national revolving accounts

You have fewer revolving credit card accounts than other consumers with credit histories of similar length. Actively and responsibly managing a moderate number of revolving credit cards is a sign of good credit management.

9

Too many accounts recently opened

Opening several credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories.

5

Too many accounts with balances

Number of accounts you have with balances is too high, representing a greater risk to lenders than consumers with fewer accounts with balances.

4

Too many bank/national revolving accounts

Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of revolving credit cards.

6

Too many consumer finance company accounts

The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

8

Too many inquiries last 12 months

Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months. A common misperception is that every inquiry will drop your score a certain number of points. This is not true. Your FICO® Score will consider recent inquiries less as time passes, provided no new inquiries are added.

96

Too many mortgage loans with balances

Your score was impacted by having too many mortgage loans with balances.

71

Too many recently opened installment accounts

FICO® Scores evaluate the frequency and recency of new installment account openings shown on a person’s credit report. Your score was impacted by having too many recently opened installment accounts on your credit report.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 2 of 24
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Valued Contributor

TU 8 - Score Factors

TRANSUNION - FICO SCORE 8 - SCORE FACTORS

Reason Code

Reason Statement

Explanation

7

Account payment history is too new to rate

None of the credit accounts on your credit report contain enough payment information to determine if you are a responsible borrower.

1

Amount owed on accounts is too high

Your FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

31

Amount owed on delinquent accounts

Late payments are a very powerful predictor of future payment risk, and the amount you owe on your past-due accounts is too high. The higher the balances on past-due accounts, the greater the risk.

70

Amount owed on mortgage loans is too high

FICO® Scores take into account how much a person owes on their mortgage loans. Your score was impacted because your credit report shows that the amount you owe on one or more mortgage loans is too high.

11

Amount owed on revolving accounts is too high

Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

55

Amount paid down on open installment loans is too low

FICO® Scores consider how much a person owes on their open installment loans, such as auto loans, relative to the original loan amount. Your score was impacted because of the relatively high amount owed on open installment loans in relation to their original loan amounts.

53

Amount paid down on open mortgage loans is too low

FICO® Scores consider how much a person owes on their open mortgage loans relative to the original mortgage loan amounts. Your score was impacted because of the relatively high amount you owe on mortgages in relation to their original amounts.

21

Amount past due on accounts

Your FICO® Score was hurt because you have payments past due on your accounts. Generally, the greater amount that is past due, the greater the risk to lenders.

40

Derogatory public record or collection filed

FICO® Scores consider the presence of a derogatory public record (such as a bankruptcy or tax lien) or collection on a person’s credit report as a powerful predictor of future payment risk. Your score was impacted because your report shows one or more public record or collection activity.

81

Frequency of delinquency

FICO® Scores consider the frequency of missed and late payments—including the number of late payments, how late they were, and how recently they occurred. Your score was impacted because your credit report shows too many delinquencies.

97

Lack of recent auto loan information

FICO® Scores evaluate the mix of credit cards, loans, and mortgages on a person’s credit report. Your score was impacted because your credit report does not show any open auto loans or sufficient recent information about any of your auto loans.

15

Lack of recent bank/national revolving information

Your FICO® Score evaluates your mix of credit cards, loans, and mortgages, and your credit report shows no open revolving credit card accounts or sufficient recent information about your revolving credit cards. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

99

Lack of recent consumer finance company account information

FICO® Scores consider whether a person has a consumer finance company loan on their credit report. Your score was impacted because your credit report does not show any recent consumer finance company account information. People with no reported recent information (such as payment information) about any consumer finance loans on their credit report tend to show lower risk to lenders.

4

Lack of recent installment loan information

Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans. Having a loan along with other types of credit demonstrates that you are able to manage a variety of credit types.

79

Lack of recent reported mortgage loan information

FICO® Scores evaluate a person’s mix of credit cards, loans, and mortgages, and recent information on mortgage loans appearing on a person’s credit report. Your score was impacted because your credit report shows no open mortgage loans, or insufficient recent information about your mortgage loans.

16

Lack of recent revolving account information

Your FICO® Score evaluates your mix of credit products, and your credit report shows no open revolving accounts or sufficient recent information about your revolving accounts. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

59

Lack of recent revolving HELOC information

FICO® Scores evaluate the mix of credit products on a person’s credit report, including information regarding revolving home equity lines of credit (HELOC) accounts. Your score was impacted because your credit report shows no open HELOCs, or insufficient recent information about HELOCs.

14

Length of time accounts have been established

The age of your oldest account and/or the average age of your accounts is relatively low.

65

Length of time bank/national revolving accounts have been established

FICO® Scores consider the frequency of new credit card openings and the length of time credit cards have been open on a person’s credit report. Your score was impacted by the relatively low age of your oldest credit card account and/or the relatively low average age of your credit card accounts.

98

Length of time consumer finance company loans have been established

FICO® Scores consider the age of a person’s oldest consumer finance company loan and/or the average age of all of a person’s consumer finance company loans. Your score was impacted by the relatively low age of your oldest consumer finance company loan and/or the average age these loans.

36

Length of time open installment loans have been established

FICO® Scores consider the age of the oldest open (not yet paid off) installment loan and/or the average age of open installment loans on a person’s credit report. Your score was impacted by the relatively low age of your oldest open installment loan and/or the relatively low average age of your open installment loans.

67

Length of time open mortgage loans have been established

FICO® Scores consider the length of time since a mortgage account has been established, since newer mortgages tend to have the potential for greater risk. Your score was impacted by the relatively younger age of your oldest open mortgage loan and/or the relatively younger average age of your open mortgage loans.

78

Length of time reported mortgage accounts have been established

FICO® Scores consider the frequency of new mortgage account openings and the length of time that accounts have been open as shown on a person’s credit report. Your score was impacted because the age of your oldest reported mortgage loan and/or the average age of your mortgage loans is relatively low.

12

Length of time revolving accounts have been established

The age of your oldest revolving account and/or the average age of your revolving accounts is relatively low.

2

Level of delinquency on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

29

No recent bank/national revolving balances

Your FICO® Score was impacted because you are not currently demonstrating active bank/national revolving credit management. (AZ or All Zero Penalty. One card with a small balance is best! )

17

No recent non-mortgage balance information

Your credit report shows no open or recently reported credit accounts, except for possibly a mortgage.

24

No recent revolving balances

Your credit report shows no recent balances on your revolving accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit management.

18

Number of accounts with delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with missed payments.

28

Number of established accounts

FICO® Scores look at the total number of accounts on a person’s credit report. Your score was impacted because you have either a relatively high or low number of accounts on your credit report.

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.

62

Proportion of balances to credit limits on revolving HELOC accounts is too high

FICO® Scores evaluate balances in relation to available credit on home equity lines of credit (HELOC) on a person’s credit report. Your score was impacted because your balances on your HELOCs are relatively high in proportion to your HELOC credit limits.

77

Proportion of balances to loan amounts on auto accounts is too high

FICO® Scores evaluate the balances in relation to the original loan amount on automobile loans on a person’s credit report. Your score was impacted because you have relatively high auto loan account balances in relation to the original loan amounts.

58

Proportion of balances to loan amounts on mortgage loans is too high

FICO® Scores evaluate the balances of mortgage loans in relation to the original mortgage loan amounts on a person’s credit report. Your score was impacted because of relatively high mortgage loan balances in relation to original mortgage loan amounts.

3

Proportion of loan balances to loan amounts is too high

Your FICO® Score weighs the balances of your non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when you first obtain an installment loan your balance is high, and as you pay this loan down, the balance decreases.

64

Proportion of revolving HELOC balances to total revolving balances is too high

FICO® Scores evaluate the balances of revolving home equity line of credit (HELOC) accounts in relation to the total revolving balances on a person’s credit report. Your score was impacted because this proportion is too high.

39

Serious delinquency

FICO® Scores consider the presence of a serious delinquency (very late payment) on a person’s credit report as a powerful predictor of future payment risk. Your score was impacted because your credit report shows one or more serious delinquencies.

38

Serious delinquency, and public record or collection filed

Your score was impacted because your credit report shows a public record or collection in addition to a delinquency.

13

Time since delinquency is too recent or unknown

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because the time since your most recent past due payment was too recent.

20

Time since derogatory public record or collection is too short

The recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

30

Time since most recent account opening is too short

Your FICO® Score considers how recently you opened a new credit account. People who recently opened a new credit account are more likely to miss future payments than those who have not.

27

Too few accounts currently paid as agreed

Your FICO® Score considers the number of accounts where you are paying your bills as agreed. In your case this number is too low because you have very few accounts or because you've missed payments recently on some of your accounts.

85

Too few active accounts

FICO® Scores consider the number of accounts which a person is actively using and paying as agreed as shown on their credit report. Your score was impacted by having very few accounts, or not using your accounts recently.

9

Too many accounts recently opened

Your FICO® Score was hurt because of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories.

5

Too many accounts with balances

Your FICO® Score considers the number of accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer accounts with balances.

6

Too many consumer finance company accounts

The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

8

Too many inquiries last 12 months

Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months. A common misperception is that every inquiry will drop your score a certain number of points. This is not true. Your FICO® Score will consider recent inquiries less as time passes, provided no new inquiries are added.

96

Too many mortgage loans with balances

FICO® Scores look at the total number of mortgage loans with outstanding balances on a person’s credit report. Your score was impacted by having too many mortgage loans with balances.

71

Too many recently opened installment accounts

FICO® Scores evaluate the frequency and recency of new installment account openings shown on a person’s credit report. Your score was impacted by having too many recently opened installment accounts on your credit report.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 3 of 24
Highlighted
Valued Contributor

EQ 8 - Score Factors

EQUIFAX - FICO SCORE 8 - SCORE FACTORS

Reason Code

Reason Statement

Explanation

7

Account payment history is too new to rate

None of the credit accounts on your credit report contain enough payment information to determine if you are a responsible borrower.

1

Amount owed on accounts is too high

Your FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

66

Amount owed on bank/national revolving accounts

Your FICO® Score considers how much you owe on your revolving credit card accounts. [Retail cards are separate on Code 56.]

34

Amount owed on delinquent accounts

Late payments are a very powerful predictor of future payment risk, and the amount you owe on your past-due accounts is too high. The higher the balances on past-due accounts, the greater the risk.

56

Amount owed on retail accounts

Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards.

11

Amount owed on revolving accounts is too high

Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

21

Amount past due on accounts

Your FICO® Score was hurt because you have payments past due on your accounts. Generally, the greater amount that is past due, the greater the risk to lenders.

29

Date of last inquiry too recent or unknown

A common misperception is that every inquiry will drop your score a certain number of points. This is not true. Your FICO® Score will consider recent inquiries less as time passes, provided no new inquiries are added.

40

Derogatory public record or collection filed

A derogatory public record or collection is a powerful predictor of future payment risk. Satisfying a public record or paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than seven years – though bankruptcies may remain for up to 10 years.

15

Lack of recent bank/national revolving information

Your FICO® Score evaluates your mix of credit cards, loans, and mortgages, and your credit report shows no open revolving credit card accounts or sufficient recent information about your revolving credit cards. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

32

Lack of recent installment loan information

Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans. Having a loan along with other types of credit demonstrates that you are able to manage a variety of credit types.

44

Lack of recent non-mortgage installment loan info

Your credit report shows no open installment loans (excluding mortgages) or sufficient recent information about your installment loans.

50

Lack of recent retail account information

Your credit report shows no retail accounts or sufficient recent information about your retail accounts.

16

Lack of recent revolving account information

Your FICO® Score evaluates your mix of credit products, and your credit report shows no open revolving accounts or sufficient recent information about your revolving accounts. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

14

Length of time accounts have been established

The age of your oldest account and/or the average age of your accounts is relatively low.

45

Length of time bank/national revolving accounts have been established

The age of your oldest credit card account and/or the average age of your credit card accounts is relatively low.

25

Length of time installment loans have been established

The age of your oldest installment loan and/or the average age of your installment loan accounts is relatively low.

12

Length of time revolving accounts have been established

The age of your oldest revolving account and/or the average age of your revolving accounts is relatively low.

2

Level of delinquency on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

60

No recent bank/national revolving balances

Your credit report shows no recent balances on your revolving credit card accounts. Your FICO® Score was impacted because you are not currently demonstrating active revolving credit card credit management.

17

No recent non-mortgage balance information

Your credit report shows no open or recently reported credit accounts, except for possibly a mortgage.

41

No recent retail balances

Your credit report shows no retail account balances or it does not show recent balance information about any of your retail accounts.

24

No recent revolving balances

Your credit report shows no recent balances on your revolving accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit management. (AZ or All Zero Penalty. One card with a small balance is best! )

18

Number of accounts with delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with missed payments.

48

Number of accounts with recent delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with recently missed payments.

23

Number of bank/national revolving accounts with balances

Your FICO® Score considers the number of revolving credit card accounts you have with balances. The total balance on your last statement is generally the amount that is shown on your credit report.

47

Number of consumer finance company inquiries

Your FICO® Score was lowered due to the number of credit inquiries made by consumer finance companies within the last 12 months.

28

Number of established accounts

Your FICO® Score looks at the total number of accounts you have. Consumers with a moderate number of credit accounts on their credit bureau report represent lower risk than consumers with either a relatively large number of accounts or a very limited number of accounts.

27

Number of retail accounts

Your FICO® Score looks at the total number of retail accounts you have. Consumers with a moderate number of retail accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of retail accounts.

26

Number of revolving accounts

Your FICO® Score looks at the total number of revolving accounts you have. Consumers with a moderate number of revolving accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of revolving accounts.

10

Proportion of balances to credit limits on bank/national revolving accounts is too high

Your FICO® Score evaluates your balances in relation to available credit on revolving credit card 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

89

Proportion of balances to credit limits on bank/national revolving accounts too high

Proportion of balances to credit limits is too high on revolving credit card accounts.

90

Proportion of balances to credit limits on revolving accounts is too high

Proportion of balances to credit limits is too high on revolving accounts.

33

Proportion of loan balances to loan amounts is too high

Your FICO® Score weighs the balances of your non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when you first obtain an installment loan your balance is high, and as you pay this loan down, the balance decreases.

39

Serious delinquency

The presence of a serious delinquency is a powerful predictor of future payment risk. People with previous late payments are much more likely to pay late in the future. As these items age, the impact on your FICO® Score will gradually decrease. Most late payments stay on your report for no more than 7 years.

38

Serious delinquency, and public record or collection filed

The presence of a serious delinquency, derogatory public record or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

49

Time since account activity is too long

Your FICO® Score considers accounts where you have actively used and paid your bills as agreed in the recent past. In your case, it has been too long since you have used credit.

13

Time since delinquency is too recent or unknown

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because the time since your most recent past due payment was too recent.

20

Time since derogatory public record or collection is too short

The recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

30

Time since most recent account opening is too short

Your FICO® Score considers how recently you opened a new credit account. People who recently opened a new credit account are more likely to miss future payments than those who have not.

42

Time since most recent consumer finance company account opening is too short

Your FICO® Score considers how recently you opened a new consumer finance loan. People who recently opened a new consumer finance loans are more likely to miss future payments than those who have not.

19

Too few accounts currently paid as agreed

Your FICO® Score considers the number of accounts where you are paying your bills as agreed. In your case this number is too low because you have very few accounts or because you've missed payments recently on some of your accounts.

31

Too few accounts with recent payment information

Your FICO® Score considers the number of accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.

3

Too few bank/national revolving accounts

You have fewer revolving credit card accounts than other consumers with credit histories of similar length.

9

Too many accounts recently opened

Your FICO® Score was hurt because of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories.

5

Too many accounts with balances

Your FICO® Score considers the number of accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer accounts with balances.

4

Too many bank/national revolving accounts

Your FICO® Score considers the total number of revolving credit card accounts you have. Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with a relatively large number of revolving credit cards.

6

Too many consumer finance company accounts

The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

8

Too many inquiries last 12 months

Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months. A common misperception is that every inquiry will drop your score a certain number of points. This is not true. Your FICO® Score will consider recent inquiries less as time passes, provided no new inquiries are added.

84

Too many installment accounts

Your FICO® Score considers the total number of installment loans you have. Consumers with a moderate number of installment loans on their credit bureau report represent lower risk than consumers with a relatively large number of installment loans.

91

Too many recently active accounts

Your FICO® Score was hurt because you recently used too many credit accounts. Using excessive credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 4 of 24
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EX 2 - Score Factors

EXPERIAN - FICO SCORE 2 - SCORE FACTORS

Reason Code

Reason Statement

Explanation

7

Account payment history is too new to rate

None of the credit accounts on your credit report contain enough payment information to determine if you are a responsible borrower.

1

Amount owed on accounts is too high

Your FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

11

Amount owed on revolving accounts is too high

Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

21

Amount past due on accounts

Your FICO® Score was hurt because you have payments past due on your accounts. Generally, the greater amount that is past due, the greater the risk to lenders.

40

Derogatory public record or collection filed

A derogatory public record or collection is a powerful predictor of future payment risk. Satisfying a public record or paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than seven years – though bankruptcies may remain for up to 10 years.

15

Lack of recent bank/national revolving information

Your credit report shows no open revolving credit card accounts or sufficient recent information about your revolving credit cards. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

32

Lack of recent installment loan information

Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans. Having a loan along with other types of credit demonstrates that you are able to manage a variety of credit types.

16

Lack of recent revolving account information

Your FICO® Score evaluates your mix of credit products, and your credit report shows no open revolving accounts or sufficient recent information about your revolving accounts. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

14

Length of time accounts have been established

The age of your oldest account and/or the average age of your accounts is relatively low. (AoOA and/or AAoA - includes open and closed accounts.)

12

Length of time revolving accounts have been established

The age of your oldest revolving account and/or the average age of your revolving accounts is relatively low. (AoORA and/or AAoRA.)

2

Level of delinquency on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

17

No recent non-mortgage balance information

Your credit report shows no open or recently reported credit accounts, except for possibly a mortgage.

24

No recent revolving balances

Your credit report shows no recent balances on your revolving accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit management. (AZ or All Zero Penalty. One card with a small balance is best! )

18

Number of accounts with delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with missed payments.

46

Payments due on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

33

Proportion of loan balances to loan amounts
is too high

Your FICO® Score weighs the balances of your non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when you first obtain an installment loan your balance is high, and as you pay this loan down, the balance decreases.

10

Ratio of balance to limit 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.

39

Serious delinquency

The presence of a serious delinquency is a powerful predictor of future payment risk. People with previous late payments are much more likely to pay late in the future. As these items age, the impact on your FICO® Score will gradually decrease. Most late payments stay on your report for no more than 7 years.

38

Serious delinquency, and public record or collection filed

The presence of a serious delinquency, derogatory public record or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

13

Time since delinquency is too recent or unknown

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because the time since your most recent past due payment was too recent.

20

Time since derogatory public record or collection is too short

The recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. Most public records and collections stay on your report for no more than seven years – though bankruptcies may remain for up to 10 years.

30

Time since most recent account opening is too short

Your FICO® Score considers how recently you opened a new credit account. People who recently opened a new credit account are more likely to miss future payments than those who have not.

19

Too few accounts currently paid as agreed

Your FICO® Score considers the number of accounts where you are paying your bills as agreed. In your case this number is too low because you have very few accounts or because you've missed payments recently on some of your accounts.

3

Too few bank/national revolving accounts

You have fewer revolving credit card accounts than other consumers with credit histories of similar length.

9

Too many accounts recently opened

Your FICO® Score was lowered because of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories.

5

Too many accounts with balances

Your FICO® Score considers the number of accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer accounts with balances.

4

Too many bank/national revolving accounts

Your FICO® Score considers the total number of revolving credit card accounts you have. Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with a relatively large number of revolving credit cards. Closing an existing revolving credit card account doesn't make it disappear from your credit report immediately. So closing many or all of these accounts isn't likely to impact your FICO® Score.

6

Too many consumer finance company accounts

The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

8

Too many inquiries last 12 months

Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months. A common misperception is that every inquiry will drop your score a certain number of points. This is not true. Your FICO® Score will consider recent inquiries less as time passes, provided no new inquiries are added.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 5 of 24
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TU 4 - Score Factors

TRANSUNION - FICO SCORE 4 - SCORE FACTORS

Reason Code

Reason Statement

Explanation

7

Account payment history is too new to rate

None of the credit accounts on your credit report contain enough payment information to determine if you are a responsible borrower.

1

Amount owed on accounts is too high

Your FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

11

Amount owed on revolving accounts is too high

Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

21

Amount past due on accounts

Your FICO® Score was hurt because you have payments past due on your accounts. Generally, the greater amount that is past due, the greater the risk to lenders.

19

Date of last inquiry too recent

Your FICO® Score was lowered due to recent credit inquiries. A common misperception is that every inquiry will drop your score a certain number of points. This is not true. Your FICO® Score will consider recent inquiries less as time passes, provided no new inquiries are added. [There could be a 3 or 6 month threshold for this.]

40

Derogatory public record or collection filed

A derogatory public record or collection is a powerful predictor of future payment risk. Satisfying a public record or paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than seven years – though bankruptcies may remain for up to 10 years.

15

Lack of recent bank/national revolving information

Your credit report shows no open revolving credit card accounts or sufficient recent information about your revolving credit cards. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

4

Lack of recent installment loan information

Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans. Having a loan along with other types of credit demonstrates that you are able to manage a variety of credit types.

16

Lack of recent revolving account information

Your FICO® Score evaluates your mix of credit products, and your credit report shows no open revolving accounts or sufficient recent information about your revolving accounts. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

14

Length of time accounts have been established

The age of your oldest account and/or the average age of your accounts is relatively low. [AoOA and/or AAoA - includes open and closed accounts.]

98

Length of time consumer finance company loans have been established

The age of your oldest consumer finance loan and/or the average age of your consumer finance loans is relatively low. As your consumer finance company loan credit history lengthens and you pay your bills on time, this factor may have less of a negative impact on your FICO® Score. [CFAs are a negative item. Avoid them.]

12

Length of time revolving accounts have been established

The age of your oldest revolving account and/or the average age of your revolving accounts is relatively low. [AoORA and/or AAoRA.]

2

Level of delinquency on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

29

No recent bank/national revolving balances

Your credit report shows no recent balances on your revolving credit card accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit card credit management.

17

No recent non-mortgage balance information

Your credit report shows no open or recently reported credit accounts, except for possibly a mortgage.

24

No recent revolving balances

Your credit report shows no recent balances on your revolving accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit management. [AZ or All Zero Penalty. One card with a small balance is best!]

18

Number of accounts with delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with missed payments.

28

Number of established accounts

Your FICO® Score looks at the total number of accounts you have. Consumers with a moderate number of credit accounts on their credit bureau report represent lower risk than consumers with either a relatively large number of accounts or a very limited number of accounts.

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.

3

Proportion of loan balances to loan amounts
is too high

Your FICO® Score weighs the balances of your non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when you first obtain an installment loan your balance is high, and as you pay this loan down, the balance decreases.

39

Serious delinquency

The presence of a serious delinquency is a powerful predictor of future payment risk. People with previous late payments are much more likely to pay late in the future. As these items age, the impact on your FICO® Score will gradually decrease. Most late payments stay on your report for no more than 7 years.

38

Serious delinquency, and public record or collection filed

The presence of a serious delinquency, derogatory public record or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

13

Time since delinquency is too recent or unknown

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because the time since your most recent past due payment was too recent.

20

Time since derogatory public record or collection is too short

The recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. Most public records and collections stay on your report for no more than seven years – though bankruptcies may remain for up to 10 years.

30

Time since most recent account opening is too short

Your FICO® Score considers how recently you opened a new credit account. People who recently opened a new credit account are more likely to miss future payments than those who have not.

27

Too few accounts currently paid as agreed

Your FICO® Score considers the number of accounts where you are paying your bills as agreed. In your case this number is too low because you have very few accounts or because you've missed payments recently on some of your accounts.

9

Too many accounts recently opened

Your FICO® Score was hurt because of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories.

5

Too many accounts with balances

Your FICO® Score considers the number of accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer accounts with balances.

6

Too many consumer finance company accounts

The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

8

Too many inquiries last 12 months

Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months. A common misperception is that every inquiry will drop your score a certain number of points. This is not true. Your FICO® Score will consider recent inquiries less as time passes, provided no new inquiries are added.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 6 of 24
Highlighted
Valued Contributor

EQ 5 - Score Factors

EQUIFAX - FICO SCORE 5 - SCORE FACTORS

Reason Code

Reason Statement

Explanation

7

Account payment history is too new to rate

None of the credit accounts on your credit report contain enough payment information to determine if you are a responsible borrower.

1

Amount owed on accounts is too high

Your FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

34

Amount owed on delinquent accounts

Late payments are a very powerful predictor of future payment risk, and the amount you owe on your past-due accounts is too high. The higher the balances on past-due accounts, the greater the risk.

11

Amount owed on revolving accounts is too high

Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards. Generally, the more you owe on these accounts, the greater risk you pose to lenders.

21

Amount past due on accounts

Your FICO® Score was hurt because you have payments past due on your accounts. Generally, the greater amount that is past due, the greater the risk to lenders.

40

Derogatory public record or collection filed

A derogatory public record or collection is a powerful predictor of future payment risk. Satisfying a public record or paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than seven years – though bankruptcies may remain for up to 10 years.

15

Lack of recent bank/national revolving information

Your FICO® Score evaluates your mix of credit cards, loans, and mortgages, and your credit report shows no open revolving credit card accounts or sufficient recent information about your revolving credit cards. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

32

Lack of recent installment loan information

Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans. Having a loan along with other types of credit demonstrates that you are able to manage a variety of credit types.

16

Lack of recent revolving account information

Your FICO® Score evaluates your mix of credit products, and your credit report shows no open revolving accounts or sufficient recent information about your revolving accounts. People who demonstrate responsible use of different types of credit are generally less risky to lenders.

14

Length of time accounts have been established

The age of your oldest account and/or the average age of your accounts is relatively low. (AoOA and/or AAoA - includes open and closed accounts.)

12

Length of time revolving accounts have been established

The age of your oldest revolving account and/or the average age of your revolving accounts is relatively low. (AoORA and/or AAoRA.)

2

Level of delinquency on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

17

No recent non-mortgage balance information

Your credit report shows no open or recently reported credit accounts, except for possibly a mortgage.

24

No recent revolving balances

Your credit report shows no recent balances on your revolving accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit management. (AZ or All Zero Penalty. One card with a small balance is best! )

18

Number of accounts with delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with missed payments.

23

Number of bank or national revolving accounts with balances

Your FICO® Score considers the number of revolving credit card accounts you have with balances. The total balance on your last statement is generally the amount that is shown on your credit report.

28

Number of established accounts

Your FICO® Score considers the number of revolving credit card accounts you have with balances. The total balance on your last statement is generally the amount that is shown on your credit report.

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.

33

Proportion of loan balances to loan amounts is too high

Your FICO® Score weighs the balances of your non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when you first obtain an installment loan your balance is high, and as you pay this loan down, the balance decreases.

39

Serious delinquency

The presence of a serious delinquency is a powerful predictor of future payment risk. People with previous late payments are much more likely to pay late in the future. As these items age, the impact on your FICO® Score will gradually decrease. Most late payments stay on your report for no more than 7 years.

38

Serious delinquency, and public record or collection filed

The presence of a serious delinquency, derogatory public record or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

13

Time since delinquency is too recent or unknown

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because the time since your most recent past due payment was too recent.

20

Time since derogatory public record or collection is too short

The recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

30

Time since most recent account opening is too short

Your FICO® Score considers how recently you opened a new credit account. People who recently opened a new credit account are more likely to miss future payments than those who have not.

19

Too few accounts currently paid as agreed

Your FICO® Score considers the number of accounts where you are paying your bills as agreed. In your case this number is too low because you have very few accounts or because you've missed payments recently on some of your accounts.

31

Too few accounts with recent payment information

Your FICO® Score considers the number of accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.

3

Too few bank/national revolving accounts

You have fewer revolving credit card accounts than other consumers with credit histories of similar length.

9

Too many accounts recently opened

Your FICO® Score was hurt because of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories.

5

Too many accounts with balances

Your FICO® Score considers the number of accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer accounts with balances.

4

Too many bank/national revolving accounts

Your FICO® Score considers the total number of revolving credit card accounts you have. Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with a relatively large number of revolving credit cards.

6

Too many consumer finance company accounts

The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

8

Too many inquiries last 12 months

Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months. A common misperception is that every inquiry will drop your score a certain number of points. This is not true. Your FICO® Score will consider recent inquiries less as time passes, provided no new inquiries are added.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 7 of 24
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VS3 - Score Factors

VANTAGE SCORE 3.0 - SCORE FACTORS

Reason Code

Reason Statement

39

Available credit on your open bankcard or revolving accounts is too low

17

Balance on previously delinquent accts are too high compared to loan amts

32

Balances on bankcard/revolving accts too high compared to credit limits

78

Balances on installment accts are too high compared to their loan amounts

0001

File/trade indicating consumer is deceased

14

Lack of sufficient credit history

43

Lack of sufficient credit history on bankcard or revolving accounts

23

Lack of sufficient relevant account information

69

Lack of sufficient relevant auto account information

49

Lack of sufficient relevant bankcard or revolving account information

65

Lack of sufficient relevant first mortgage account information

83

Lack of sufficient relevant installment account information

63

Lack of sufficient relevant real estate account information

15

Newest delinquent/derogatory payment status on your accts is too recent

48

No bankcard or revolving recently reported account information

0004

No information on credit report (other than maybe inquiries)

21

No open accounts in your credit file

68

No open auto accounts in your credit file

47

No open bankcard or revolving accounts in your credit file

64

No open first mortgage accounts in your credit file

81

No open installment accounts in your credit file

61

No open real estate accounts in your credit file

22

No recently reported account information

62

No recently reported real estate account information

88

One or more derogatory public records in your credit file is too recent

55

Open real estate acct balances are too high compared to their loan amts

9000

System Exclusion

54

The amt of balance paid down on your open real estate accounts is too low

74

The balance amount paid down on your open installment accounts is too low

94

The balance amount paid down on your open student loan accts is too low

77

The balances on your accounts are too high compared to loan amounts

4

The balances on your accounts are too high compared to loan amounts

12

The date that you opened your oldest account is too recent

42

The date you opened your newest bankcard or revolving acct is too recent

40

The date you opened your oldest bankcard or revolving acct is too recent

75

The installment account that you opened most recently is too new

84

The number of inquiries was also a factor, but effect was not significant

16

The total of all balances on your open accounts is too high

58

The total of all balances on your open real estate accounts is too high

11

The total of your delinquent or derogatory account balances is too high

96

The total you owe on collection agency accounts is high

9

The worst payment status on your accounts is delinquent or derogatory

73

The worst status on your installment accounts is delinquent or derogatory

53

The worst status on your real estate accounts is delinquent or derogatory

93

The worst status on your student loan accts is delinquent or derogatory

98

There is a bankruptcy on your credit report

90

Too few discharged bankruptcies

30

Too few of your bankcard or other revolving accounts have high limits

31

Too many bankcard or other revolving accounts were opened recently

44

Too many bankcard or revolving accounts with delinquent/derogatory status

72

Too many installment accts with a delinquent or derogatory payment status

5

Too many of the delinquencies on your accounts are recent

79

Too many of the delinquencies on your installment accounts are recent

29

Too many of your open bankcard or revolving accounts have a balance

57

Too many real estate accts with delinquent or derogatory payment status

45

Total balances too high on delinquent/derogatory bankcard/revolving accts

34

Total of all balances on bankcard or revolving accounts is too high

18

Total of balances on accts never late is too high compared to loan amts

8

You have either too few loans or too many loans with recent delinquencies

71

You have either very few installment loans or too many with delinquencies

10

You have either very few loans or too many loans with delinquencies

76

You have insufficient credit history on installment loans

97

You have too few credit accounts

6

You have too many accounts that were opened recently

95

You have too many collection agency accounts that are unpaid

7

You have too many delinquent or derogatory accounts

85

You have too many inquiries on your credit report.

86

Your credit report contains too many derogatory public records

87

Your credit report contains too many unsatisfied public records

35

Your highest bankcard or revolving account balance is too high

36

Your largest credit limit on open bankcard or revolving accts is too low

13

Your most recently opened account is too new

66

Your open auto account balances are too high compared to their loan amts

33

Your worst bankcard or revolving account status is delinquent/derogatory

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 8 of 24
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Score Factors - A through N

SCORE FACTORS: A through N

Score Factor

Explanation

Account payment history is too new to rate

None of the credit accounts on your credit report contain enough payment information to determine if you are a responsible borrower.

Accounts last reported in delinquent status

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your FICO® Score was hurt because your most recent late payment was too recent.

Amount of credit available on revolving accounts

Your FICO® Score evaluates your balances in relation to available credit on revolving accounts.

Amount owed on accounts is too high

Your FICO® Score considers how much you owe on your credit accounts, such as credit cards and non-mortgage loans.

Amount owed on bank/national revolving accounts

Your FICO® Score considers how much you owe on your revolving credit card accounts.

Amount owed on collections filed

Your FICO® Score considers how much you owe on your collection accounts. Paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score.

Amount owed on delinquent accounts

The amount you owe on your past-due accounts is too high. The higher the balances on past-due accounts, the greater the risk.

Amount owed on recently opened accounts is too high

Amount owed on your recently opened credit accounts, such as credit cards and non-mortgage loans.

Amount owed on recently opened bank/national revolving accounts is too high

Amount owed on recently opened revolving credit card accounts.

Amount owed on recently opened consumer finance company accounts is too high

Amount owed on your recently opened consumer finance loans.

Amount owed on recently opened retail accounts is too high

Amount owed on your recently opened retail accounts.

Amount owed on recently opened revolving accounts is too high

Your FICO® Score considers how much you owe on your recently opened revolving accounts.

Amount owed on recently opened sales finance company accounts is too high

Your FICO® Score considers how much you owe on your recently opened sales finance company accounts.

Amount owed on retail accounts

Your FICO® Score considers how much you owe on your retail credit accounts.

Amount owed on revolving accounts

Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards.

Amount owed on revolving accounts is too high

Your FICO® Score evaluates how much you owe on your revolving accounts, such as your credit cards.

Amount past due on accounts

Your FICO® Score was hurt because you have payments past due on your accounts.

Bankruptcy filing reported

A bankruptcy filing on a credit report is a powerful predictor of future payment risk. Paying off your accounts in bankruptcy will not remove the item from your credit report. It will still be considered by your FICO® Score. Bankruptcies typically stay on your report for no more than ten years. As this item ages, its impact on your score will gradually decrease.

Date of last inquiry too recent

Your FICO® Score was lowered due to recent credit inquiries. This factor will be considered less as time passes, provided no new inquiries are added.

Delinquency on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

Delinquency on recently opened accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments on recently opened accounts.

Derogatory public record or collection filed

A derogatory public record or collection is a powerful predictor of future payment risk. Satisfying a public record or paying off a collection will not remove a valid item from your credit report. It will be still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 – though bankruptcies may remain for up to 10 years.

Frequency of delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows multiple missed payments.

Insufficient installment payment history

Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans. Having a loan along with other types of credit demonstrates that you are able to manage a variety of credit types.

Lack of recent auto finance loan information

Your credit report shows no open auto loans or sufficient recent information about any of your auto loans. Your FICO® Score evaluates your mix of credit cards, loans, and mortgages.

Lack of recent auto loan information

Your credit report shows no open auto loans or sufficient recent information about any of your auto loans. Your FICO® Score evaluates your mix of credit cards, loans, and mortgages.

Lack of recent bank/national revolving information

Your credit report shows no open revolving credit card accounts or sufficient recent information about your revolving credit cards.

Lack of recent consumer finance company account information

Your credit report shows no consumer finance loans or it does not report recent information (such as payment information) about any of your consumer finance loans.

Lack of recent installment loan information

Your credit report shows no recent non-mortgage loans (such as auto or student loans) or sufficient recent information about your loans.

Lack of recent non-mortgage installment loan info

Your FICO® Score evaluates your mix of credit products, and your credit report shows no open installment loans (excluding mortgages) or sufficient recent information about your installment loans.

Lack of recent reported mortgage loan information

Your FICO® Score evaluates your mix of credit cards, loans, and mortgages, and your credit report shows no open mortgage loans or sufficient recent information about your mortgage loans.

Lack of recent retail account information

Your FICO® Score evaluates your mix of credit products, and your credit report shows no retail accounts or sufficient recent information about your retail accounts.

Lack of recent revolving account information

Your FICO® Score evaluates your mix of credit products, and your credit report shows no open revolving accounts or sufficient recent information about your revolving accounts.

Lack of recently established credit accounts

Your FICO® Score evaluates your credit history and your credit report shows no recently established accounts.

Lack of recently established revolving accounts

Your FICO® Score evaluates your mix of credit products, and your credit report shows no recently established revolving accounts.

Length of time accounts have been established

People who do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. In your case, the age of your oldest account and/or the average age of your accounts is relatively low.

Length of time auto accounts have been established

People who do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. In your case, the age of your oldest auto loan and/or the average age of your auto loans is relatively low.

Length of time bank/national revolving accounts have been established

The age of your oldest credit card account and/or the average age of your credit card accounts is relatively low.

Length of time consumer finance company loans have been established

The age of your oldest consumer finance loan and/or the average age of your consumer finance loans is relatively low.

Length of time installment loans have been established

The age of your oldest installment loan and/or the average age of your installment loan accounts is relatively low.

Length of time open installment loans have been established

The age of your oldest open (not yet paid off) installment loan and/or the average age of your open installment loan accounts is relatively low.

Length of time reported mortgage accounts have been established

The age of your oldest reported mortgage loan and/or the average age of your mortgage loans is relatively low.

Length of time retail accounts have been established

The age of your oldest retail account and/or the average age of your retail accounts is relatively low.

Length of time revolving accounts have been established

The age of your oldest revolving account and/or the average age of your revolving accounts is relatively low.

Level of delinquency on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

No mortgage loans reported

Your credit report shows no open or recently reported mortgages.

No recent bank/national revolving balances

Your credit report shows no recent balances on your revolving credit card accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit card credit management.

No recent non-mortgage balance information

Your credit report shows no open or recently reported credit accounts, except for possibly a mortgage.

No recent retail balances

Your credit report shows no retail account balances or it does not show recent balance information about any of your retail accounts.

No recent revolving balances

Your credit report shows no recent balances on your revolving accounts. Your FICO® Score was hurt because you are not currently demonstrating active revolving credit management.

Number of accounts currently in delinquent status

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts that you currently have missed payments.

Number of accounts with delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with missed payments.

Number of accounts with recent delinquency

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because your credit report shows accounts with recently missed payments.

Number of active bank/national revolving accounts

Your FICO® Score considers the total number of active revolving credit cards you have. Consumers with a moderate number of active revolving credit cards on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of active revolving credit cards.

Number of active retail accounts

Your FICO® Score considers the total number of active retail accounts you have. Consumers with a moderate number of active retail accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of active retail accounts.

Number of adverse/derog public records

The presence of a derogatory public record is a powerful predictor of future payment risk. Satisfying the public record will not remove the item from your credit report. It will still be considered by your FICO® Score.

Number of bank/national revolving accounts

Your FICO® Score considers the total number of revolving credit cards you have. Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of revolving credit cards.

Number of bank/national revolving accounts with balances

Your FICO® Score considers the number of revolving credit card accounts you have with balances.

Number of bank/national revolving or other revolving accounts

Your FICO® Score considers the total number of revolving accounts you have. Consumers with a moderate number of revolving accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of revolving accounts.

Number of collections filed

Satisfying the collection will not remove the item from your credit report. It will still be considered by your FICO® Score.

Number of consumer finance company inquiries

Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months.

Number of established accounts

Total number of accounts on file. Consumers with a moderate number of credit accounts on their credit bureau report represent lower risk than consumers with either a relatively large number of accounts or a very limited number of accounts.

Number of finance co accts established relative to length of finance hist

The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

Number of open installment loans

Total number of open installment loans. Consumers with a moderate number of open installment loans on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of open installment loans.

Number of recently opened consumer finance company accounts

The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

Number of retail accounts

Ttotal number of retail accounts. Consumers with a moderate number of retail accounts on their credit bureau report represent lower risk than consumers with either a relatively large number or a very limited number of retail accounts.

Number of retail accounts with balances

Number of retail accounts with balances.

Number of revolving accounts

Total number of revolving accounts.

Number of revolving accounts with balances higher than limits

Proportion of balances to credit limits is too high on revolving credit card accounts.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 9 of 24
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Score Factors - P through T

SCORE FACTORS: P through T

Score Factor

Explanation

Payments due on accounts

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was hurt because you have missed payments to your creditors.

Proportion of balance to limit on auto accounts is too high

Your FICO® Score weighs the balances of your auto loans against the original loan amounts.

Proportion of balance to limit on consumer finance company accounts is too high

Your FICO® Score evaluates your balances in relation to available credit on consumer finance loans. In your case, this proportion of balances to credit limits is too high on these accounts.

Proportion of balance to limit on delinquent accounts is too high

Your FICO® Score evaluates your balances in relation to available credit on delinquent accounts. In your case, this proportion of balances to credit limits is too high on these accounts.

Proportion of balance to limit on retail accounts is too high

Your FICO® Score evaluates your balances in relation to available credit on retail accounts. In your case, this proportion of balances to credit limits is too high on these accounts.

Proportion of balance to limit on sales finance company accounts is too high

Your FICO® Score evaluates your balances in relation to available credit on sales finance company accounts. In your case, this proportion of balances to credit limits is too high on these accounts.

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. In your case, this proportion of balances to credit limits is too high on these accounts.

Proportion of balances to credit limits on bank/national revolving accounts is too high

Your FICO® Score evaluates your balances in relation to available credit on revolving credit card accounts. In your case, this proportion of balances to credit limits is too high on these accounts.

Proportion of balances to credit limits on revolving accounts is too high

Your FICO® Score evaluates your balances in relation to available credit on revolving accounts. This credit usage ratio 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.

Proportion of balances to loan amounts on mortgage loans is too high

Your FICO® Score evaluates the balances of mortgage loans in relation to the original loan amount on your mortgages.

Proportion of loan balances to loan amounts is too high

Your FICO® Score weighs the balances of your non-mortgage installment loans (such as auto or student loans) against the original loan amounts.

Proportion of revolving balances to total balances is too high

Your FICO® Score evaluates your revolving balances in relation to total balances across your mix of credit accounts. In your case, this proportion of revolving balances to total balances is too high.

Serious delinquency

The presence of a serious delinquency is a powerful predictor of future payment risk. People with previous late payments are much more likely to pay late in the future. As these items age, the impact on your FICO® Score will gradually decrease. Most late payments stay on your report for no more than 7 years.

Serious delinquency, and public record or collection filed

The presence of a serious delinquency, derogatory public record or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

Time since account activity is too long

Your FICO® Score considers accounts where you have actively used and paid your bills as agreed in the recent past. In your case, it has been too long since you have used credit.

Time since delinquency is too recent or unknown

Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score. Your score was lowered because the time since your most recent past due payment was too recent.

Time since derogatory public record or collection is too short

The recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score. As this item ages, its impact on your FICO® Score will gradually decrease. Most public records and collections stay on your report for no more than 7 years – though bankruptcies may remain for up to 10 years.

Time since most recent account opening is too short

Your FICO® Score considers how recently you opened a new credit account. People who recently opened a new credit account are more likely to miss future payments than those who have not.

Time since most recent auto account opening is too short

Your FICO® Score considers how recently you opened a new auto loan. People who recently opened a new auto loan are more likely to miss future payments than those who have not.

Time since most recent bank/national revolving account opening is too short

Your FICO® Score considers how recently you opened a new revolving credit card account. People who recently opened a new revolving credit card are more likely to miss future payments than those who have not.

Time since most recent consumer finance company account opening is too short

Your FICO® Score considers how recently you opened a new consumer finance loan. People who recently opened a new consumer finance loans are more likely to miss future payments than those who have not.

Time since most recent installment loan account opening is too short

Your FICO® Score considers how recently you opened a new installment loan account. People who recently opened a new installment loan are more likely to miss future payments than those who have not.

Time since most recent retail account established

Your FICO® Score considers how recently you opened a new retail account. People who recently opened a new retail account are more likely to miss future payments than those who have not.

Time since most recent revolving account established

Your FICO® Score considers how recently you opened a new revolving account. People who recently opened a new revolving account are more likely to miss future payments than those who have not.

Time since most recent sales finance company account opening is too short

Your FICO® Score considers how recently you opened a new sales finance company account. People who recently opened a new sales finance company account are more likely to miss future payments than those who have not.

Too few accounts currently paid as agreed

Your FICO® Score considers the number of accounts where you are paying your bills as agreed. In your case this number is too low because you have very few accounts or because you've missed payments recently on some of your accounts.

Too few accounts with balances

Your FICO® Score considers the number of accounts with balances. In your case this number is too low because you have very few accounts or because you have few accounts with balances.

Too few accounts with recent payment information

Your FICO® Score considers the number of accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.

Too few active accounts

Your FICO® Score considers the number of accounts which you are actively using and paying as agreed. In your case this number is too low because you have very few accounts or because you have not used your credit accounts recently.

Too few bank/national revolving accounts

You have fewer revolving credit card accounts than other consumers with credit histories of similar length.

Too few bank/national revolving accounts with recent payment information

Your FICO® Score considers the number of revolving credit cards with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.

Too few consumer finance company accounts with recent payment information

Your FICO® Score considers the number of consumer finance loans with recent payment or activity information. In your case this number is too low.

Too few installment accounts

You have fewer installment loans than other consumers with credit histories of similar length.

Too few retail accounts

You have fewer retail accounts than other consumers with credit histories of similar length.

Too few retail accounts with recent payment information

Your FICO® Score considers the number of retail accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.

Too few revolving accounts

You have fewer revolving accounts than other consumers with credit histories of similar length.

Too few revolving accounts with recent payment information

Your FICO® Score considers the number of revolving accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.

Too few sales finance company accounts with recent payment information

Your FICO® Score considers the number of sales finance company accounts with recent payment or activity information. In your case this number is too low because you have very few accounts or because you have few accounts with recent payment or activity information.

Too many accounts recently opened

Your FICO® Score was hurt because of recent credit account openings. Opening several credit accounts in a short time period is reflective of greater risk – especially for people with short credit histories.

Too many accounts with balances

Your FICO® Score considers the number of accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer accounts with balances.

Too many bank/national revolving accounts

Your FICO® Score considers the total number of revolving credit card accounts you have. Consumers with a moderate number of revolving credit cards on their credit bureau report represent lower risk than consumers with a relatively large number of revolving credit cards.

Too many consumer finance company accounts

The fact that you have a consumer finance company loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

Too many inquiries last 12 months

Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months.

Too many installment accounts

Your FICO® Score considers the total number of installment loans you have. Consumers with a moderate number of installment loans on their credit bureau report represent lower risk than consumers with a relatively large number of installment loans.

Too many recently active accounts

Your FICO® Score was lowered because you recently used too many credit accounts.

Too many recently active auto accounts

Your FICO® Score was lowered because you recently used too many auto loans.

Too many recently active bank/national revolving accounts

Your FICO® Score was lowered because you recently used too many revolving credit cards.

Too many recently active consumer finance company accounts

The fact that you have a recently active consumer finance loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

Too many recently active installment loan accounts

Your FICO® Score was hurt because you recently used too many installment loans.

Too many recently active retail accounts

Your FICO® Score was hurt because you recently used too many retail credit accounts.

Too many recently active sales finance company accounts

Your FICO® Score was hurt because you recently used too many sales finance company accounts.

Too many recently opened accounts with balances

Your FICO® Score considers the number of recently opened accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer recently opened accounts with balances.

Too many recently opened bank/national revolving accounts

Your FICO® Score was hurt because you recently opened too many new revolving credit cards.

Too many recently opened bank/national revolving accounts with balances

Your FICO® Score considers the number of recently opened revolving credit cards you have with balances. For credit cards, even if you pay them off in full each month, your credit report may still show a balance on those cards. The total balance on your last statement is generally the amount that is shown on your credit report.

Too many recently opened consumer finance company accounts

The fact that you have a recently opened consumer finance loan on your credit report means that you represent a higher risk to lenders than someone with no consumer finance loans. Even if this account is closed, it will still lower your FICO® Score.

Too many recently opened installment accounts

Your FICO® Score was hurt because you recently opened too many new installment loans.

Too many recently opened retail accounts with balances

Your FICO® Score considers the number of recently opened retail credit cards you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer recently opened retail credit cards with balances.

Too many recently opened revolving accounts

Opening several revolving accounts in a short time period is reflective of greater risk – especially for people with short credit histories.

Too many recently opened revolving accounts with balances

Your FICO® Score considers the number of recently opened revolving accounts you have with balances. In your case this number is too high, representing a greater risk to lenders than consumers with fewer recently opened revolving accounts with balances.

Too many recently opened sales finance company accounts

Your FICO® Score was hurt because you recently opened too many sales finance accounts.

Too many retail accounts

Your FICO® Score considers the total number of retail credit card accounts you have. Consumers with a moderate number of retail credit cards on their credit bureau report represent lower risk than consumers with a relatively large number of retail credit cards.

Too many revolving accounts

Your FICO® Score considers the total number of revolving accounts you have. Consumers with a moderate number of revolving accounts on their credit bureau report represent lower risk than consumers with a relatively large number of revolving accounts.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

My TU 8 score just dropped -20 points due to reaching AoOA 3yrs 0mos, and I got 5 Kudos for it!

Message 10 of 24
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