Fair Isaac Model Score Factor Codes
Credit Check Continued
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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 |
Good Luck with your applicants.
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