Original Factor

New Factor

Definition

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

J

09

Number of accounts opened within the last twelve months

K

10

Prop. of balance to high credit on bank revolving or all revolving or all revolving accounts

L

11

Current balances on revolving accounts

M

12

Length or revolving accounts history

N

13

Length of time for (or unknown times) since account delinquent.

O

14

Length of time accounts have been established

P

15

Insufficient or lack of bank revolving account information

Q

16

Insufficient or lack of revolving account information

R

17

No recent (non-mortgage) accounts balance information

S

18

Number of accounts delinquent

T

19

Too few accounts rated "current"

V

20

Length of time since legal item filed or collection item reported

W

21

Amount of past due to accounts

X

22

Accounts(s) not paid ass agreed and/or legal item filed

U

24

Lack of recently reported balances on revolving/open accounts

 

25

Length of installment loan history

 

26

Number of revolving accounts

 

28

Number of accounts established

 

30

Length of time since most recent account established

 

31

Too few accounts with recent payment information

 

33

Prop. of current loan balance to original loan amount

 

36

Length of time open installment loans have been established

 

37

Number of finance company accounts established relative to length of finance history

 

98

Lack of recent information on auto loan, or lack of auto loans

 

99

Lack of recent information on finance accounts, or lack of finance accounts

Exclusion Message

Definition

Experian/Fair Isaac Score Not Available Due to System File Size Parameters

The Profile report contains more than 100 subscriber trade and inquiry transactions

Experian/Fair Isaac Score Not Available Due to Report of "Deceased" Status

The Profile report contains a subscriber transaction with a status code of "21" or an association code of "X" indicating the consumer is deceased

Experian/Fair Isaac Score Not Available Due to Model Exclusion Criteria

The Profile report does not contain any trade line which satisfies both of the following:
1. Status date within the last six months, or a balance within the last six months if the status code is not "11" ("Current account")
2. does not contain disputed information

Experian/Fair Isaac Score Not Available Due to Lack of Credit History

The Profile report does not contain any trade lines which have been open for at least six months

 
 
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