We can share the predictive variables, the portion of the credit file considered and the weight as provided by Fair Isaac. Inquiries FICO has changed the way it factors credit checks and inquiries. One variable counts the number of days within 365 days of scoring. Each inquiry will still appear on the credit report. However, each repository is likely to contain different data.
Every score is accompanied by a maximum of four reason codes.
Reason codes identify the most significant reasons a consumer did not score higher. They are not red flags. Consumers with scores in the 800 range get reason codes just as consumers with scores in the 500 range. The reason codes may be used in describing to the consumer the reason for adverse action. Scores are not part of the credit file and are not covered by the Fair Credit Reporting Act.