1 of 12
3 years ago
Fri Sep 17, 2021 9:05 am
aj2121
Share Secured Rebel
aj2121 has been gardening for over 2 years.
I just found out that VS has a publicly accessible database that includes all of their reason codes. It is available at https://www.reasoncode.org/allcodes
Although it looks like someone forgot to debug their PHP code and the website throws an error, currently. You can access the site through Google's cache. Apparently, when the site is working you can click on a reason code and it will take you to a more detailed breakdown of the code. The list of negative reason codes for VS4 are pasted below:
v400: No reason code assigned (equivalent to blank)
v403: Average time since accounts opened is too recent
v404: Balances on accts too high compared to credit limits and loan amounts
v405: Too many recent delinquencies
v406: Too many accounts recently opened
v407: Too many delinquent or derogatory accounts
v408: Too few accounts recently paid as agreed
v409: Delinquent or derogatory account
v410: Too few accounts paid as agreed
v411: Oldest account was opened too recently
v412: Delinquent or derogatory status on accounts is too recent
v413: Balances on delinquent or derogatory accounts are too high
v414: Too high proportion of accounts recently opened
v415: Lack of recently reported accounts
v416: Total of credit limits and loan amounts is too low
v417: No open accounts in your credit file
v418: Lack of account information
v419: <No negative reason code>
v420: Delinquent or derogatory bankcard
v421: Too many bankcards with a high balance
v422: Too few bankcards with high credit limit
v423: Too high proportion of bankcards recently opened
v424: Too many bankcards with high balance compared to credit limit
v425: Too high proportion of balances from bankcards
v426: Balances on bankcards are too high
v427: Delinquent or derogatory status on revolving accounts is too recent
v428: Average credit limit on open bankcards is too low
v429: Balances on bankcards are too high compared with credit limits
v430: Too few open revolving accounts
v431: Not enough available credit on revolving accounts
v432: Oldest bankcard was opened too recently
v433: Not enough balance paid down over time on bankcards
v434: Most recently opened revolving account is too new
v435: Lack of revolving account information
v436: Lack of recently reported revolving accounts
v437: No open bankcards in your credit file
v438: Lack of bankcard account information
v439: Balances on delinquent or derogatory bankcards are too high
v440: Too many delinquent or derogatory revolving accounts
v441: Average time since revolving accounts opened is too recent
v442: Total credit limits on open revolving accounts are too low
v443: Too many revolving accounts with high balance compared to credit limit
v444: Balances on revolving accts are too high compared with credit limits
v445: Not enough balance paid down over time on retail accounts
v446: Oldest revolving account was opened too recently
v447: No open retail accounts in your credit file
v448: Lack of retail account information
v449: Not enough balance paid down over time on revolving accounts
v450: Balances on personal installment accts too high compared to loan amts
v451: Too few installment accounts recently paid as agreed
v452: Delinquent or derogatory installment account
v453: Not enough balance paid down over time on installment accounts
v454: Delinquent or derogatory status on installment accounts is too recent
v455: Lack of recently reported auto accounts
v456: Lack of recently reported installment accounts
v457: No open installment accounts in your credit file
v458: Lack of installment account information
v459: Balances on retail cards are too high compared with credit limits
v460: Total delinquent or derogatory balances on real estate loans too high
v461: No open first mortgage accounts in your credit file
v462: Lack of first mortgage account information
v463: Delinquent or derogatory real estate secured loan
v464: Not enough balance paid down over time on real estate secured loans
v465: No recently opened real estate secured loan
v466: Delinquent or derogatory status on real estate loans is too recent
v467: No open real estate secured loans in your credit file
v468: Lack of real estate secured loan information
v469: Too high proportion of balances from loans not secured by real estate
v470: Too high proportion of auto accounts are delinquent or derogatory
v471: Not enough balance paid down over time on auto accounts
v472: Too few auto accounts paid as agreed
v473: Delinquent or derogatory auto account
v474: Balances on auto accounts are too high compared with loan amounts
v475: Payments on auto accounts less than scheduled amount
v476: Delinquent or derogatory status on auto accounts is too recent
v477: No open auto accounts in your credit file
v478: Lack of auto account information
v479: <No negative reason code>
v480: Delinquent or derogatory student loan
v481: Not enough balance paid down over time on student loans
v482: Lack of recently reported student loans
v483: <No negative reason code>
v484: Number of inquiries was a factor in determining the score
v485: Too many inquiries
v486: Derogatory public records
v487: Unpaid collections
v488: Bankruptcy
v489: <No negative reason code>
v490: No open revolving accounts in your credit file
v491: Balances on delinquent or derogatory revolving accounts are too high
v492: Delinquent or derogatory first mortgage
v493: Not enough balance paid down over time on first mortgage accounts
v494: <No negative reason code>
v495: <No negative reason code>
v496: Too few open accounts
v497: Too few accounts
v4P03: Average time since accounts opened is not too recent
v4P04: Balances on accts are low compared to credit limits and loan amounts
v4P05: Few or no recent delinquencies
v4P06: Few or no accounts recently opened
v4P07: Few or no accounts delinquent or derogatory
v4P08: One or more accounts recently paid as agreed
v4P09: No delinquent or derogatory account
v4P10: One or more accounts paid as agreed
v4P11: Oldest account was not opened too recently
v4P12: Delinquent or derogatory status on accounts is not too recent
v4P13: Balances on delinquent or derogatory accounts are not too high
v4P14: Proportion of accounts recently opened not too high
v4P15: Lack of recently reported accounts
v4P16: Total of credit limits and loan amounts is high
v4P17: No open accounts in your credit file
v4P18: Lack of account information
v4P19: Enough real estate secured loans
v4P20: No delinquent or derogatory bankcard
v4P21: Few or no bankcards with a high balance
v4P22: One or more bankcards with high credit limit
v4P23: Proportion of bankcards recently opened not too high
v4P24: Few or no bankcards with high balance compared to credit limit
v4P25: Proportion of balances from bankcards not too high
v4P26: Balances on bankcards are not too high
v4P27: Delinquent or derogatory status on revolving accts is not too recent
v4P28: Average credit limit on open bankcards is high
v4P29: Balances on bankcards are not too high compared with credit limits
v4P30: Enough open revolving accounts
v4P31: Available credit on open revolving accounts is high
v4P32: Oldest bankcard was not opened too recently
v4P33: Balance paid down over time on bankcards is high
v4P34: Most recently opened revolving account is not too new
v4P35: Lack of revolving account information
v4P36: Lack of recently reported revolving accounts
v4P37: No open bankcards in your credit file
v4P38: Lack of bankcard account information
v4P39: Balances on delinquent or derogatory bankcards are not too high
v4P40: Few or no revolving accounts delinquent or derogatory
v4P41: Average time since revolving accounts opened is not too recent
v4P42: Total credit limits on open revolving accounts are high
v4P43: Few or no revolving accts with high balance compared to credit limit
v4P44: Balances on revolving accts are not too high compared to credit limits
v4P45: Balance paid down over time on retail accounts is high
v4P46: Oldest revolving account was not opened too recently
v4P47: No open retail accounts in your credit file
v4P48: Lack of retail account information
v4P49: Balance paid down over time on revolving accounts is high
v4P50: Balances on personal installment not too high compared to loan amounts
v4P51: One or more installment accounts recently paid as agreed
v4P52: No delinquent or derogatory installment account
v4P53: Balance paid down over time on installment accounts is high
v4P54: Delinquent or derogatory status on installment accts is not too recent
v4P55: Lack of recently reported auto accounts
v4P56: Lack of recently reported installment accounts
v4P57: No open installment accounts in your credit file
v4P58: Lack of installment account information
v4P59: Balances on retail cards are not too high compared with credit limits
v4P60: Delinquent or derogatory balances on real estate loans not too high
v4P61: No open first mortgage accounts in your credit file
v4P62: Lack of first mortgage account information
v4P63: No delinquent or derogatory real estate secured loan
v4P64: Balance paid down over time on real estate secured loans is high
v4P65: Oldest real estate secured loan was not opened too recently
v4P66: Delinquent or derogatory status on real estate loans is not too recent
v4P67: <No positive reason code>
v4P68: Lack of real estate secured loan information
v4P69: Proportion of balances on loans not secured by real estate is not high
v4P70: Proportion of delinquent or derogatory auto accounts is not too high
v4P71: Balance paid down over time on auto accounts is high
v4P72: One or more auto accounts were paid as agreed
v4P73: No delinquent or derogatory auto account
v4P74: Balances on auto accounts are not too high compared with loan amounts
v4P75: Few or no payments on auto accounts less than scheduled amount
v4P76: Delinquent or derogatory status on auto accounts is not too recent
v4P77: No open auto accounts in your credit file
v4P78: Lack of auto account information
v4P79: Few or no installment or auto accounts recently opened
v4P80: No delinquent or derogatory student loan
v4P81: Balance paid down over time on student loans is high
v4P82: Lack of recently reported student loans
v4P83: Lack of student loan information
v4P84: <No positive reason code>
v4P85: Few or no inquiries
v4P86: Few or no derogatory public records
v4P87: Few or no unpaid collections
v4P88: No bankruptcy
v4P89: No open student loans in your credit file
v4P90: No open revolving accounts in your credit file
v4P91: Balances on delinquent or derogatory revolving accts are not too high
v4P92: No delinquent or derogatory first mortgage
v4P93: Balance paid down over time on first mortgage accounts is high
v4P94: No delinquent or derogatory revolving account
v4P95: Few or no bankcard or revolving accounts recently opened
v4P96: Enough open credit accounts
v4P97: Enough credit accounts
-
Score data
FICO8 EX: 715 EQ: 724 TU: 735
As of 4/6/22 - Classic 8 Scorecard CLEAN/THICK/MATURE/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NEW-ACCOUNT
- AoOA 9y9m
- AoORA 9y9m
- Date of Last Inquiry and/or New Account Opening April 23rd, 2022