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3 years ago
Fri Sep 17, 2021 9:04 am
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aj2121
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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 VS3 are pasted below:
v304: The balances on your accounts are too high compared to loan amounts
v305: Too many of the delinquencies on your accounts are recent
v306: You have too many accounts that were opened recently
v307: You have too many delinquent or derogatory accounts
v308: You have either very few loans or too many loans with recent delinquencies
v309: The worst payment status on your accounts is delinquent or derogatory
v310: You have either very few loans or too many loans with delinquencies
v311: The total of your delinquent or derogatory account balances is too high
v312: The date that you opened your oldest account is too recent
v313: Your most recently opened account is too new
v314: Lack of sufficient credit history
v315: Newest delinquent or derogatory payment status on your accounts is too recent
v316: The total of all balances on your open accounts is too high
v317: Balances on previously delinquent accounts are too high compared to loan amts
v318: Total of balances on accounts never late is too high compared to loan amounts
v321: No open accounts in your credit file
v322: No recently reported account information
v323: Lack of sufficient relevant account information
v329: Too many of your open bankcard or revolving accounts have a balance
v330: Too few of your bankcard or other revolving accounts have high limits
v331: Too many bankcard or other revolving accounts were opened recently
v332: Balances on bankcard or revolving accounts too high compared to credit limits
v333: Your worst bankcard or revolving account status is delinquent or derogatory
v334: Total of all balances on bankcard or revolving accounts is too high
v335: Your highest bankcard or revolving account balance is too high
v336: Your largest credit limit on open bankcard or revolving accounts is too low
v339: Available credit on your open bankcard or revolving accounts is too low
v340: The date you opened your oldest bankcard or revolving account is too recent
v342: The date you opened your newest bankcard or revolving account is too recent
v343: Lack of sufficient credit history on bankcard or revolving accounts
v344: Too many bankcard or revolving accounts with delinquent or derogatory status
v345: Total balances too high on delinquent/derogatory bankcard or revolving accts
v347: No open bankcard or revolving accounts in your credit file
v348: No bankcard or revolving recently reported account information
v349: Lack of sufficient relevant bankcard or revolving account information
v353: The worst status on your real estate accounts is delinquent or derogatory
v354: The amount of balance paid down on your open real estate accounts is too low
v355: Open real estate account balances are too high compared to their loan amounts
v357: Too many real estate accounts with delinquent or derogatory payment status
v358: The total of all balances on your open real estate accounts is too high
v361: No open real estate accounts in your credit file
v362: No recently reported real estate account information
v363: Lack of sufficient relevant real estate account information
v364: No open first mortgage accounts in your credit file
v365: Lack of sufficient relevant first mortgage account information
v366: Your open auto account balances are too high compared to their loan amounts
v368: No open auto accounts in your credit file
v369: Lack of sufficient relevant auto account information
v371: You have either very few installment loans or too many with delinquencies
v372: Too many installment accounts with a delinquent or derogatory payment status
v373: The worst status on your installment accounts is delinquent or derogatory
v374: The balance amount paid down on your open installment accounts is too low
v375: The installment account that you opened most recently is too new
v376: You have insufficient credit history on installment loans
v377: Newest delinquent or derogatory status on installment accounts is too recent
v378: Balances on installment accounts are too high compared to their loan amounts
v379: Too many of the delinquencies on your installment accounts are recent
v381: No open installment accounts in your credit file
v383: Lack of sufficient relevant installment account information
v384: The number of inquiries was also a factor, but effect was not significant
v385: You have too many inquiries on your credit report.
v386: Your credit report contains too many derogatory public records
v387: Your credit report contains too many unsatisfied public records
v388: One or more derogatory public records in your credit file is too recent
v390: Too few discharged bankruptcies
v393: The worst status on your student loan accounts is delinquent or derogatory
v394: The balance amount paid down on your open student loan accounts is too low
v395: You have too many collection agency accounts that are unpaid
v396: The total you owe on collection agency accounts is high
v397: You have too few credit accounts
v398: There is a bankruptcy on your credit report
v3P04: The balances on your accounts are not too high compared to loan limits
v3P05: There are no or only a few recent delinquencies on your accounts
v3P06: You have few or no accounts that were opened recently
v3P07: You have either no or few delinquent or derogatory accounts
v3P08: One or more of your accounts were paid on time in recent months
v3P09: None of your accounts have a severe delinquency or a derogatory status
v3P10: One or more of your accounts have been paid on time
v3P11: You have few or no accounts with delinquent or derogatory balances
v3P12: The date that you opened your oldest account is not too recent
v3P13: Your most recently opened account is not too new
v3P14: Your credit file contains enough information about your use of credit
v3P15: None of your accounts have a recent delinquency or a derogatory status
v3P16: The total of all balances on your open accounts is not too high
v3P17: Balances on prior delinquent accounts not too high compared to loan amts
v3P18: Total of balances on accts never late not too high compared to loan amts
v3P21: No open accounts in your credit file
v3P22: No recently reported account information
v3P23: Lack of sufficient relevant account information
v3P29: Few or none of your open bankcard or revolving accounts has a balance
v3P30: One or more of your bankcard or revolving accounts has a high limit
v3P31: Few or none of your bankcard or revolving accounts was opened recently
v3P32: Balances on bankcard or revolving accts not too high compared to limits
v3P33: No severe delinquency/derogatory status on bankcard or revolving accts
v3P34: Total of all balances on bankcard or revolving accounts is not too high
v3P35: Your highest bankcard or revolving account balance is not too high
v3P36: Largest credit limit on open bankcard or revolving accts is not too low
v3P39: Available credit on open bankcard or revolving accounts is not too low
v3P40: Date your oldest bankcard or revolving account opened is not too recent
v3P42: Date your newest bankcard or revolving account opened is not too recent
v3P43: Credit file has enough history on your use of bankcard/revolving accts
v3P44: Few or no bankcard or revolving accts with delinquent/derogatory status
v3P45: Few or no bankcard/revolving accts with delinquent/derogatory balances
v3P47: No open bankcard or revolving accounts in your credit file
v3P48: No bankcard or revolving recently reported account information
v3P49: Lack of sufficient relevant bankcard or revolving account information
v3P50: No open retail revolving accounts in your credit file
v3P52: No open home equity loans in your credit file
v3P53: No real estate accounts with severe delinquency or derogatory status
v3P54: Amount of balance paid down on open real estate accounts is not too low
v3P55: Open real estate account balances not too high compared to loan amounts
v3P57: Few or no real estate accts with delinquent or derogatory payment status
v3P58: The total of all balances on open real estate accounts is not too high
v3P61: No open real estate accounts in your credit file
v3P62: No recently reported real estate account information
v3P63: Lack of sufficient relevant real estate account information
v3P64: No open first mortgage accounts in your credit file
v3P65: Lack of sufficient relevant first mortgage account information
v3P66: Balances on open auto accounts are not too high compared to loan amounts
v3P68: No open auto accounts in your credit file
v3P69: Lack of sufficient relevant auto account information
v3P70: No open personal installment loans in your credit file
v3P71: One or more of your installment accounts has been paid on time
v3P72: Few or no installment accts with delinquent or derogatory payment status
v3P73: No installment accounts with a severe delinquency or derogatory status
v3P74: Amount of balance paid down on open installment accounts is not too low
v3P75: Your most recently opened installment account is not too new
v3P76: Your credit file has enough history on your use of installment loans
v3P77: Newest delinquent/derogatory status on installment accts not too recent
v3P78: Installment account balances not too high compared to loan amounts
v3P79: You have few or no recent delinquencies on your installment accounts
v3P81: No open installment accounts in your credit file
v3P83: Lack of sufficient relevant installment account information
v3P85: You have few or no inquiries on your credit report
v3P86: You have few or no derogatory public records on your credit report
v3P87: You have few or no unsatisfied public records on your credit report
v3P88: You have no recent derogatory public records on your credit report
v3P90: You have one or more discharged bankruptcies
v3P92: No open student loan accounts in your credit file
v3P93: No student loan accounts with a severe delinquency or derogatory status
v3P94: Amount of balance paid down on open student loan accounts is not too low
v3P95: You have few or no unpaid collection agency accounts
v3P96: You have few or no collection agency account balances
v3P98: There is no bankruptcy on your credit report
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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