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How to translate reason codes

Have you received a notice with your credit score and wondered what those letters and numbers mean? Those are reason codes, and they usually correspond with a reason code description. Sometimes they are called score factor codes.

Examples of reason codes

31 – No open bank card accounts

27 – Sum of balances on revolving accounts is too high

39 – Presence of severe delinquency/derog status on accounts

Usually, when one of the national credit reporting companies provides a credit score, four of these codes are generated. Their purpose is to help you understand how information in your credit files affects your credit score.

An informed borrower is a better borrower. We’ve created an entire site dedicated to helping you better understand reason codes and how you can improve your scores based on the reason codes you have received. Just visit ReasonCode.org.

 

Crack the codes

Wonder what those VantageScore reason codes really mean? Easy translations just a click away.

Get the facts

There are lots of commonly held myths about what impacts credit scores. Make sure you know the truth.

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