Experian/Fair Isaac Model Score Factor Codes

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A	01	Current balances on accounts
B	02	Delinquency reported on accounts
C	03	Too few bank revolving accounts
D	04	Too many bank revolving accounts
E	05	Number of accounts with balances
F	06	Number of finance company accounts
G	07	Unable to evaluate recent payment history
H	08	Number of recent inquiries
I	33	Proportion of current loan balance to original loan amount
J	09	Number of accounts opened in the last twelve months
K	10	Proportion of balance to high credit on banking revolving or all revolving accounts
L	11	Current balances on revolving accounts
M	12	Length of revolving account history
N	13	Length of time (or unknown time) since account delinquent
O	14	Length of time accounts have been established
P	15	Insufficient or lack of banking revolving account information
Q	16	Insufficient or lack of revolving account information
R	17	No recent (non-mortgage) account balance information
S	18	Number of accounts delinquent
T	19	Too few rated accounts current
U	24	Lack of recently reported balances on revolving/open accounts
V	20	Length of time since legal item filed or collection item reported
W	21	Amount past due to accounts
Y	32	No recent installment loan information
Z	30	Length of time since most recent account established
*	37	Number of finance company accounts established relative to length of finance history
*	25	Length of installment loan history
*	26	Number of revolving accounts
*	99	Lack of recent history on finance accounts, or lack of finance accounts
*	31	Too few accounts with recent payment history
*	28	Number of accounts established
*	98	Lack of recent information on auto loan, or lack of auto loans
*	36	Length of time open installment loans have been established
X	38	Serious delinquency and public record or collection filed
X	39	Serious delinquency
X	40	Derogatory public record or collection filed

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