FICO Reason Codes

When 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. Here is a list of all reason codes.

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