Required

FICO Reason Codes

Written by:
Gina Freeman
Edited by:
Kristin Marino verified

A couple discusses their FICO scoreWhen you look at your credit report, you’ll see one or more reason codes. Reason codes tell you the main factors that cause your FICO score to be lower than you’d like.

Most reason codes pertain to three main issues:

  • Bad repayment history
  • Owing too much money
  • Insufficient credit history (thin file)

List of FICO Reason Codes

Get matched to your perfect loan and level up your money game.
Find My Loan
Popular Posts

Related Content

What Does It Mean to Be Prequalified for a Personal Loan?
Personal Loans | January 30, 2023
Being prequalified for a personal loan means you have a good chance of your application being approved, but it's not a guarantee. See how it works.
What Is a Loan Origination Fee?
Loan FAQs | July 26, 2022
Your loan origination fee can impact the cost of your personal loan. Compare fees from lenders and see how personal loan fees are determined and how they'll affect your loan.
Are You Overspending? Here’s How to Stop
Tips and Advice | September 14, 2021
Empower yourself with expert advice on managing finances, preventing debt and cultivating a responsible spending mindset. Achieve financial stability and goals.
How a Personal Loan Can Help With Winter Home Repairs & Upgrades
BLOG | October 13, 2022
Now is the time to ensure your home is ready for colder months, but winterizing your home could be costly. Compare rates and lenders and see how a personal loan can help you get ready for winter weather.
Can You Use a Personal Loan to Stop Wage Garnishment?
Personal Loans | November 29, 2022
If your wages are garnished, you could end up having up to 25% of your pay taken from your paycheck. Learn about getting a personal loan to stop wage garnishment.
Home Improvement Personal Loans for Working Remotely
Personal Loans | October 7, 2022
Explore how a personal loan can turn your home into a productive workspace for remote work. Learn about the best home improvement options. Compare loan rates.

Ready to up your money game?

See my loan options
Why AmONE is Trusted By Millions for Their Loan Needs

Anyone can put together a group of lenders in a marketplace to offer people loans. We go beyond that. We not only partner with some of the best lenders around (like Citi, Rocket Loans, SoFi and so many more), we also work with partners who can help people like you go beyond a one-time loan. We connect you with the money programs you need to help you get real financial solutions in place that allow you to tackle your debt and money problems so you can move forward. Getting out from under debt to financial freedom is daunting and we're ready to help you every step of the way.

AI is the hottest thing around right now, but we know from our decades of experience in the personal finance space that the last thing someone wants to do is talk to a robot when they need real answers. Solving money problems can be stressful and daunting, so don't settle for generic responses and information that offers little real financial insights. Speak to one of our many support specialists who all work from an AmONE office right here in the U.S. and get the answers you really need to make better financial decisions.

We work hard to find loan offers for even the most challenging financial situations. With our large lender marketplace, we know we give everyone the best shot at getting the loan, debt and credit help they're hoping to find. Even when someone's credit is clearly poor or they hold a large amount of debt, we still get our customers in front of lenders to give them the best shot at securing the funds they need. When the unexpected happens and customers are rejected for loans, we still work with them to find other financial solutions that put them on the path to financial recovery so they can keep moving forward toward their money goals.

Anyone can put together a group of lenders in a marketplace to offer people loans. We go beyond that. We not only partner with some of the best lenders around (like Citi, Rocket Loans, SoFi and so many more), we also work with partners who can help people like you go beyond a one-time loan. We connect you with the money programs you need to help you get real financial solutions in place that allow you to tackle your debt and money problems so you can move forward. Getting out from under debt to financial freedom is daunting and we're ready to help you every step of the way.

handicon
Matched with Lenders Who Fit Your Needs

Tell us your situation and we will match you instantly to financial solutions that are right for you.

shieldicon
Get Offers from Only Highly Rated Providers

We work with only the highest-rated partners that provide the best chance to get you the loan you need for your situation.

supporticon
Easy Access to Live Support Based in the U.S.

Get live support when you need it most, through email or phone, and have your questions answered fast.