These are the risk score reasons and codes from the Equifax Beacon 5.0 Scoring Model.
01 Amount owed on accounts is too high
02 Level of delinquency on accounts
03 Too few bank revolving accounts
04 Too many bank or national revolving accounts
05 Too many accounts with balances
06 Too many consumer finance company accounts
07 Account payment history is too new to rate
08 Too many recent inquiries last 12 months
09 Too many accounts recently opened
10 Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
11 Amount owed on revolving accounts is too high
12 Length of time revolving accounts have been established
13 Time since delinquency is too recent or unknown
14 Length of time accounts have been established
15 Lack of recent bank revolving information
16 Lack of recent revolving account information
17 No recent non-mortgage balance information
18 Number of accounts with delinquency
19 Too few accounts currently paid as agreed
20 Length of time since derogatory public record or collection is too short
21 Amount past due on accounts
23 Number of bank or national revolving accounts with balances
24 No recent revolving balances
25 (Bankcard Industry Option Only) Length of time installment loans have been established
26 (All Industry Options Only) Number of revolving accounts
28 Number of established accounts
30 Time since most recent account opening is too short
31 Too few accounts with recent payment information
32 Lack of recent installment loan information
33 Proportion of loan balances to loan amounts is too high
34 Amount owed on delinquent accounts
38 Serious delinquency, and public record or collection filed
39 Serious delinquency
40 Derogatory public record or collection filed
98 (Auto Industry Option Only) Lack of recent auto finance loan information
99 (Finance Industry Option only) Lack of recent consumer finance company account information
