FICO Reason Codes

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.

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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