List of VS4 Negative Reason Codes

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