FICO Reason Codes

By Gina Freeman
Updated on: February 10th, 2022

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

About the Author

Gina Freeman writes about personal finance and has been featured on, The Mortgage Reports, MSNMoney, Fox Business, Forbes, The Motley Fool, and other fine websites. Her background includes tax accounting with Deloitte, over 20 years in mortgage sales and underwriting, systems consulting for Experian, and several years in bankruptcy law. Gina enjoys helping consumers make confident and intelligent financial decisions.