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Credit Repair

Credit Report Codes

                 
     

 

 

 

Equifax (EQ)

Experian (EXP.)

TransUnion (TU)

 

Model FICO Classic V5 Facta

Model Fair, Isaac (Ver. 2)

Model FICO Classic (04)

     

 

  CODE # EXPLANATION    
           
    1

Amount owed on accounts is too high

   
   

2

Level of delinquency on accounts

   
   

3

Proportion of loan balances to loan amounts is too high

   
   

4

Lack of recent installment loan information

   
    5

Too many accounts with balances

   
   

6

Too many consumer finance company accounts

   
    8

Too many inquiries last 12 months

   
    9

Too many accounts recently opened

   
    10 (EQ/TU)

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

   
    10 (EXP.)

Proportion of balance to high credit on bank revolving or all revolving accounts

   
    11

Amount owed on revolving accounts is too high

   
    12

Length of time revolving accounts have been established

   
    13

Time since delinquency is too recent or unknown

   
    14

Length of time accounts have been established

   
    15

Lack of recent bank revolving information

   
    16

Lack of recent revolving account information

   
    18

Number of accounts with delinquency

   
    19 Too few accounts currently paid as agree    
    20 (EQ/TU) Length of time since derogatory public record or collection is too short    
    20 (EXP.) Time since derogatory public record or collection is too short    
    21 Amount past due on accounts    
    23 Number of bank or national revolving accounts with balances    
    24 No recent revolving balances    
    28 Number of established accounts    
    29 No recent bankcard balances    
    30 Time since most recent account opening is too short    
    32 Lack of recent installment loan information    
    33 Proportion of loan balances to loan amounts is too high    
    34 Amount owed on delinquent accounts    
    38 (EQ) Serious delinquency, and derogatory public record or collection filed    
    38 (EXP./TU) Serious delinquency, and public record or collection filed    
    39 Serious delinquency    
    40 Derogatory public record or collection filed    
    9002 (EXP.) The profile report does not contain any tradeline which satisfies both
of the following: status date within the last six (6) months or a balance within the last six (6) months.  Does not contain disputed information
   
    9003 (EXP.) The profile report does not contain any tradelines that have been open for at least six (6) months    
   

FA (EQ)

Number of inquiries adversely affected the score, but not significantly    
   

FA (TU)

Derogatory information was found on the file, and inquiries impacted the credit score

   
    FA (TU) Inquiries impacted the credit score    
   

N (EQ)

Beacon not available, insufficient or unknown account history    
   

O (EQ)

Beacon not available, no recently reported account information    
   

SC3 (TU)

File not scored because subject does not have sufficient credit    
           
           
     

 
   
 


FREE CREDIT ANALYSIS

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