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 |
|