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

Take Control of Your Debt: A Step-by-Step Financial Checkup
Debt | December 4, 2024
Learn how to manage debt effectively with a financial checkup. Discover strategies to pay off debt, save for emergencies, and plan for a brighter financial future.
If Your Credit Score Falls Below 700, Do These Things Now
Credit | August 23, 2021
If your FICO score drops, your interest rates and even insurance premiums could go up. Learn what to do if your credit score goes below 700.
How to Raise Your FICO Score by 100 Points Fast
Credit | October 1, 2019
Raise your FICO score. How to raise your credit score by 100 points fast. Raising your credit score by 100 points can save you as much as you'd earn with a part-time job.
How to Raise Your Credit Score From Fair to Good
Credit | September 23, 2019
You can reap huge benefits when you raise your credit score from fair to good, and we'll show you how to do that right here.
Credit Repair: How to Use a Personal Loan to Raise Your Credit Score
Credit | June 17, 2019
Need a personal loan for credit repair? Learn how to find the best options, negotiate better terms, and improve your credit score with our helpful tips.
What is Credit Mix? Get to Know Your Credit Score
Credit | January 18, 2022
Your open credit accounts make up your credit mix and play a role in determining your credit score. Find out what determines your credit mix.

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.