Experian Connect API
VantageScore 3.0 & 4.0 Guide
Overview
The Experian Connect API retrieves credit reports with VantageScore 3.0 or VantageScore 4.0 risk models, allowing compatibility with existing systems while adopting the latest scoring model.
API Parameters
Endpoint: /v3/report
- riskModel (optional):
- If omitted or set to VP, defaults to VantageScore 3.0.
- If set to VQ, returns VantageScore 4.0.
Score Propagation
The score selected during /v3/report applies to:
- Landlord reports via /v3/share
- Consumer archived reports via /v3/report/archive
- Landlord archived reports via /v3/share/get
Accepted Values
| Parameter | Description |
| VP | VantageScore 3.0 |
| VQ | VantageScore 4.0 |
Note: If parameter omitted the API defaults to VantageScore 3.0.
Example Request & Response
Requests
Vantage 3
curl --location 'https://uat-us-api.experian.com/connectapi/v3/report' \ --header 'Accept: application/json' \ --header 'Authorization: Bearer <BEARER_TOKEN>' \ --form 'productId="34"' \ --form 'consumerToken="NWM4Mjk4MzAtN2FiMi00MjViLWJhNTQtNTQwODc0ZTc1N2Ey"' \ --form 'purposeType="8"' \ --form 'riskModel="VP"'
Vantage 4
curl --location 'https://uat-us-api.experian.com/connectapi/v3/report' \ --header 'Accept: application/json' \ --header 'Authorization: Bearer <BEARER_TOKEN>' \ --form 'productId="34"' \ --form 'consumerToken="NWM4Mjk4MzAtN2FiMi00MjViLWJhNTQtNTQwODc0ZTc1N2Ey"' \ --form 'purposeType="8"' \ --form 'riskModel="VQ"'
Responses
Vantage 3
{
"success": true,
"error": null,
"reports": {
"CreditProfile": {
"success": true,
"error": null,
"report": {
"Header": {
"ReportDate": "01/08/2026",
"ReportTime": "11:54:05 AM CT"
},
"ConsumerIdentity": [
{
"Name": {
"Type": {
"desc": null,
"code": null
},
"Surname": "BEENE",
"First": "MIKE",
"Middle": null
}
}
],
"AddressInformation": [
{
"FirstReportedDate": "11/06/2025",
"LastUpdatedDate": "11/07/2025",
"Origination": {
"desc": "Update",
"code": "2"
},
"TimesReported": "2",
"LastReportingSubcode": "6319841",
"DwellingType": {
"desc": "Apartment complex",
"code": "A"
},
"HomeOwnership": {
"desc": "Apartment complex",
"code": null
},
"StreetPrefix": null,
"StreetName": "564 MARYLAND AVE APT 31",
"StreetSuffix": null,
"City": "PITTSBURGH",
"State": "PA",
"Zip": "15202",
"CensusGeoCode": null,
"CountyCode": null
},
{
"FirstReportedDate": "11/09/2022",
"LastUpdatedDate": "11/17/2025",
"Origination": {
"desc": "Update",
"code": "1"
},
"TimesReported": "0",
"LastReportingSubcode": null,
"DwellingType": {
"desc": "Single-family dwelling",
"code": "S"
},
"HomeOwnership": {
"desc": "Single-family dwelling",
"code": null
},
"StreetPrefix": null,
"StreetName": "5 ASHLEY LN",
"StreetSuffix": null,
"City": "NEW KENSINGTON",
"State": "PA",
"Zip": "15068",
"CensusGeoCode": null,
"CountyCode": null
},
{
"FirstReportedDate": "11/17/2025",
"LastUpdatedDate": "11/17/2025",
"Origination": {
"desc": "Update",
"code": "1"
},
"TimesReported": "0",
"LastReportingSubcode": null,
"DwellingType": {
"desc": "Single-family dwelling",
"code": "S"
},
"HomeOwnership": {
"desc": "Single-family dwelling",
"code": null
},
"StreetPrefix": null,
"StreetName": "2011 STARDUST ST",
"StreetSuffix": null,
"City": "KILLEEN",
"State": "TX",
"Zip": "76543",
"CensusGeoCode": null,
"CountyCode": null
}
],
"EmploymentInformation": [
{
"FirstReportedDate": "02/2014",
"LastUpdatedDate": null,
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "HAIR CUTTERY",
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
},
{
"FirstReportedDate": "01/2013",
"LastUpdatedDate": null,
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "GREAT CLIPS",
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
}
],
"PublicRecord": [
{
"Status": {
"desc": "Bankruptcy chapter 7-discharged",
"code": "15"
},
"StatusDate": "01/28/2023",
"FilingDate": "11/15/2022",
"Evaluation": {
"desc": "Negative",
"code": "N"
},
"Amount": "$21,000",
"ConsumerComment": null,
"Court": {
"desc": "US BKPT CT IA DES MOIN",
"code": "2007650"
},
"ReferenceNumber": "9500607",
"PlaintiffName": null,
"DisputeFlag": null,
"ECOA": {
"desc": null,
"code": null
},
"Bankruptcy": {
"Type": {
"desc": null,
"code": null
},
"AssetAmount": "$0",
"LiabilitiesAmount": "$21,000",
"RepaymentPercent": null,
"AdjustmentPercent": null
},
"BookPageSequence": null
}
],
"Inquiry": null,
"TradeLine": [
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "10/26/2022",
"StatusDate": "11/01/2023",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"TermsDuration": {
"desc": "60 Month",
"code": "060"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$23,421"
}
],
"BalanceDate": "11/28/2023",
"BalanceAmount": "$0",
"Status": {
"desc": "Transferred",
"code": "05"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "10",
"DelinquenciesOver30Days": "1",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "B1CCC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "2606020",
"KOB": {
"desc": "Sales Financing Company",
"code": "FF"
},
"SubscriberDisplayName": "FLIC",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "11/01/2023",
"AccountCondition": {
"desc": "Transferred",
"code": "05"
},
"PaymentStatus": {
"desc": "30 days past due",
"code": "71"
},
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "10/01/2023",
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "03/04/2021",
"StatusDate": "10/01/2021",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"TermsDuration": {
"desc": "54 Month",
"code": "054"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$14,522"
}
],
"BalanceDate": "10/02/2021",
"BalanceAmount": "",
"Status": {
"desc": "Paid satisfactorily",
"code": "12"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "4",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "B",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "2611997",
"KOB": {
"desc": "Sales Financing Company",
"code": "FF"
},
"SubscriberDisplayName": "ALLY FINANCIAL",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "10/01/2021",
"AccountCondition": {
"desc": "Paid/zero balance",
"code": "A2"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "06/26/2020",
"StatusDate": "07/01/2021",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"TermsDuration": {
"desc": "48 Month",
"code": "048"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$9,631"
}
],
"BalanceDate": "07/28/2021",
"BalanceAmount": "",
"Status": {
"desc": "Paid satisfactorily",
"code": "12"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "10",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "B",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1199117",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TRUIST BANK",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "07/01/2021",
"AccountCondition": {
"desc": "Paid/zero balance",
"code": "A2"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "10/17/2019",
"StatusDate": "11/01/2020",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"TermsDuration": {
"desc": "48 Month",
"code": "048"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$10,202"
}
],
"BalanceDate": "11/28/2020",
"BalanceAmount": "",
"Status": {
"desc": "Paid satisfactorily",
"code": "12"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "10",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "B",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "2620726",
"KOB": {
"desc": "Automobile Financing Company",
"code": "FA"
},
"SubscriberDisplayName": "FORD CRED",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "11/01/2020",
"AccountCondition": {
"desc": "Paid/zero balance",
"code": "A2"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "07/13/2022",
"StatusDate": "08/01/2023",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Secured By Household Goods and Other Collateral",
"code": "23"
},
"TermsDuration": {
"desc": "12 Month",
"code": "012"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$564"
}
],
"BalanceDate": "08/28/2023",
"BalanceAmount": "$0",
"Status": {
"desc": "150 days past due",
"code": "83"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "10",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "2",
"DelinquenciesOver90Days": "3",
"DerogCounter": "0",
"PaymentProfile": "5432CC2CCC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "2538893",
"KOB": {
"desc": "Personal Loan Companies",
"code": "FP"
},
"SubscriberDisplayName": "SPRINGLEAF FINANCIAL S",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "08/01/2023",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "150 days past due",
"code": "83"
},
"AccountType": {
"desc": "Secured By Household Goods and Other Collateral",
"code": "23"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "08/01/2023",
"SecondDelinquencyDate": "07/01/2023"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "03/15/2022",
"StatusDate": "08/01/2023",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Secured By Household Goods",
"code": "22"
},
"TermsDuration": {
"desc": "12 Month",
"code": "012"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$196"
}
],
"BalanceDate": "08/28/2023",
"BalanceAmount": "$0",
"Status": {
"desc": "150 days past due",
"code": "83"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "14",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "1",
"DelinquenciesOver90Days": "3",
"DerogCounter": "0",
"PaymentProfile": "5432CCCCCCCCCC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "2538893",
"KOB": {
"desc": "Personal Loan Companies",
"code": "FP"
},
"SubscriberDisplayName": "SPRINGLEAF FINANCIAL S",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "08/01/2023",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "150 days past due",
"code": "83"
},
"AccountType": {
"desc": "Secured By Household Goods",
"code": "22"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "08/01/2023",
"SecondDelinquencyDate": "07/01/2023"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "10/26/2022",
"StatusDate": "10/01/2024",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"TermsDuration": {
"desc": "60 Month",
"code": "060"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$23,421"
}
],
"BalanceDate": "12/01/2025",
"BalanceAmount": "$10,539",
"Status": {
"desc": "Current/was 90 days past due",
"code": "38"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "34",
"DelinquenciesOver30Days": "4",
"DelinquenciesOver60Days": "3",
"DelinquenciesOver90Days": "2",
"DerogCounter": "0",
"PaymentProfile": "CCCCCCCCCCCCCCC111212233",
"MonthlyPaymentAmount": "$390",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "11/28/2025",
"Subcode": "1604090",
"KOB": {
"desc": "Sales Financing Company",
"code": "FF"
},
"SubscriberDisplayName": "OMNI FINANCIAL/ACCH",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "10/01/2024",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current/was 90 days past due 2 times",
"code": "14"
},
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "09/01/2024",
"SecondDelinquencyDate": "08/01/2024"
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "Closer review is required",
"code": "N"
},
"OpenDate": "10/03/2021",
"StatusDate": "12/01/2022",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"TermsDuration": {
"desc": "60 Month",
"code": "060"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$26,775"
}
],
"BalanceDate": "12/05/2022",
"BalanceAmount": "$21,055",
"Status": {
"desc": "Voluntary surrender",
"code": "95"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "11",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "1",
"PaymentProfile": "8",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": "Estimated",
"LastPaymentDate": "11/17/2022",
"Subcode": "3636194",
"KOB": {
"desc": "Automobile Financing Company",
"code": "FA"
},
"SubscriberDisplayName": "TD AUTO FINANCE",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "12/01/2022",
"AccountCondition": {
"desc": null,
"code": null
},
"PaymentStatus": {
"desc": "Voluntary surrender",
"code": "95"
},
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": "12/01/2022",
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": "ACCOUNT IN DISPUTE - REPORTED BY SUBSCRIBER (FCBA)",
"code": "14"
},
"Evaluation": {
"desc": null,
"code": null
},
"OpenDate": "06/01/2022",
"StatusDate": "11/01/2022",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Lease",
"code": "13"
},
"TermsDuration": {
"desc": "1 Month",
"code": "001"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [],
"BalanceDate": "11/28/2022",
"BalanceAmount": null,
"Status": {
"desc": null,
"code": "00"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": null,
"code": null
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": "Original creditor: EVERGREEN VILLAGE\nAccount in dispute - reported by subscriber (FCBA)",
"AccountNumber": "",
"MonthsHistory": "0",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "3980485",
"KOB": {
"desc": "Other Collection Agencies",
"code": "YC"
},
"SubscriberDisplayName": "CONTINENTAL COLLECTION",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": null,
"AccountCondition": {
"desc": null,
"code": null
},
"PaymentStatus": {
"desc": null,
"code": null
},
"AccountType": {
"desc": "Lease",
"code": "13"
},
"SpecialComment": {
"desc": "ACCOUNT IN DISPUTE - REPORTED BY SUBSCRIBER (FCBA)",
"code": "14"
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "05/20/2021",
"StatusDate": "05/01/2022",
"MaxDelinquencyDate": null,
"AccountType": {
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Vantage 4
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Vantage 3 Exclusion Score 4
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"desc": "Update",
"code": "1"
},
"TimesReported": "0",
"LastReportingSubcode": null,
"DwellingType": {
"desc": "Single-family dwelling",
"code": "S"
},
"HomeOwnership": {
"desc": "Single-family dwelling",
"code": null
},
"StreetPrefix": null,
"StreetName": "401 SHADY AVEAPT",
"StreetSuffix": null,
"City": "PITTSBURGH",
"State": "PA",
"Zip": "15206",
"CensusGeoCode": null,
"CountyCode": null
}
],
"EmploymentInformation": [
{
"FirstReportedDate": "08/2015",
"LastUpdatedDate": null,
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "FORDS PAPER HANGING",
"AddressFirstLine": "SILVER SPRING MD",
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
},
{
"FirstReportedDate": "12/2014",
"LastUpdatedDate": null,
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "FORD S PAPERHANGING AND",
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
}
],
"PublicRecord": null,
"Inquiry": [
{
"Date": "11/20/2025",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1230194",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "FIA CS"
},
{
"Date": "11/25/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2998858",
"KOB": {
"desc": "Automobile Dealers, New",
"code": "AN"
},
"SubscriberDisplayName": "AUTOMOBILE DEALERS, NE"
},
{
"Date": "11/19/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2993314",
"KOB": {
"desc": "Mortgage Companies",
"code": "FM"
},
"SubscriberDisplayName": "FNCS/CITYSCAPE CORP"
},
{
"Date": "11/06/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2998858",
"KOB": {
"desc": "Automobile Dealers, New",
"code": "AN"
},
"SubscriberDisplayName": "AUTOMOBILE DEALERS, NE"
},
{
"Date": "10/21/2024",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "0907744",
"KOB": {
"desc": null,
"code": null
},
"SubscriberDisplayName": "SERVICE & PROF"
},
{
"Date": "09/28/2024",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "7420000",
"KOB": {
"desc": "National Credit Card/Airlines -- Non-Specific",
"code": "NZ"
},
"SubscriberDisplayName": "MISC. NATL CR. CARDS/A"
},
{
"Date": "11/26/2023",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1646024",
"KOB": {
"desc": "Sales Financing Company",
"code": "FF"
},
"SubscriberDisplayName": "TIMEPAYMENT CORP"
}
],
"TradeLine": null,
"RiskModel": [
{
"positiveScoreFactorCodeOne": null,
"positiveScoreFactorCodeTwo": null,
"positiveScoreFactorCodeThree": null,
"positiveScoreFactorCodeFour": null,
"ModelIndicator": {
"desc": "Vantage Score 3.0",
"code": "V3"
},
"Score": "4",
"ScoreFactorCodeOne": null,
"ScoreFactorCodeTwo": null,
"ScoreFactorCodeThree": null,
"ScoreFactorCodeFour": null,
"ScoreFactorCodeFive": null,
"Evaluation": {
"desc": null,
"code": null
}
}
],
"ConsumerAssistanceReferralAddress": {
"OfficeName": "EXPERIAN",
"StreetName": "701 EXPERIAN PARKWAY",
"POBox": "PO BOX 2002",
"CityStateZip": "ALLEN, TX 75013",
"Phone": "(888) 397-3742"
},
"ProfileSummary": {
"DisputedAccountsExcluded": 0,
"DelinquenciesOver30Days": 0,
"DelinquenciesOver60Days": 0,
"DelinquenciesOver90Days": 0,
"DerogCounter": 0,
"PublicRecordsCount": 0,
"TotalInquiries": 0,
"MonthlyPaymentPartialFlagDesc": null,
"InquiriesDuringLast6Months": 0,
"NowDelinquentDerog": 0,
"RealEstatePaymentPartialFlagDesc": null,
"TotalTradeItems": 0,
"WasDelinquentDerog": 0,
"RevolvingAvailablePartialFlagDesc": null,
"PaidAccounts": 0,
"hasProfileSummary": false,
"InstallmentBalance": null,
"MonthlyPayment": null,
"PastDueAmount": null,
"RealEstateBalance": null,
"RealEstatePayment": null,
"RevolvingBalance": null,
"RevolvingAvailablePercent": null,
"OldestTradeOpenDate": null,
"Y2KOldestTradeline": null,
"SatisfactoryAccount": 0
},
"Statement": [
{
"DateReported": "11/28/2020",
"Type": "06",
"StatementText": "06& 11-28-20 3999999 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY 555-555-5555 OR EVENING 555-555-5555. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 12-28-10."
}
],
"InformationalMessage": [
{
"MessageNumber": "84",
"MessageText": "0084 SSN/ITIN MATCHES"
}
]
}
},
"BackgroundData": {
"success": true,
"error": null,
"report": {
"criminalReport": {
"success": true,
"response": {
"XMLCRIM": {
"OrderResponse": {
"Name": "BAY,JOHNNIE",
"FIRST": "JOHNNIE",
"MIDDLE": "",
"LAST": "BAY",
"Reference": "TESTCASE",
"Message": "Request Results",
"DOBSupplied": "07/29/1959",
"ResponseID": "118"
},
"CICcriminal": {
"Candidates": {
"count": "2",
"Candidate": [
{
"Subject": {
"FullName": "JOHNNIE BAY",
"DOB": "07/29/1959",
"Category": "CRIMINAL",
"Source": "AZ ADMINISTRATIVE OFFICE OF COURTS",
"Sex": "MALE",
"Race": "WHITE",
"DriversLicense": "AZ C82188537",
"CaseNumber": "J-1003-CR-201388059",
"State": "AZ",
"Jurisdiction": "PIMA",
"Address": "7977 N CAMERON AVENUE, AJO, AZ, 85321"
},
"Offenses": {
"count": "1",
"Offense": {
"CaseType": "MISDEMEANOR",
"Description": "SHOPLIFTING",
"FilingDate": "07/30/2013",
"Disposition": "PLEA GUILTY/RESP SENT IMPOSED",
"DispositionDate": "08/14/2013",
"Court": "AJO JUSTICE"
}
}
},
{
"Subject": {
"FullName": "JOHNNIE BAY",
"DOB": "07/29/1959",
"Category": "CRIMINAL",
"Source": "AZ ADMINISTRATIVE OFFICE OF COURTS",
"Sex": "MALE",
"Race": "WHITE",
"DriversLicense": "AZ C82188537",
"CaseNumber": "J-1003-CR-201588770",
"State": "AZ",
"Jurisdiction": "PIMA",
"Address": "7977 N. CAMERON AVE, AJO, AZ, 85321"
},
"Offenses": {
"count": "2",
"Offense": [
{
"CaseType": "MISDEMEANOR",
"Description": "DRUG PARAPHERNALIA-POSSESS/USE",
"FilingDate": "04/23/2015",
"Disposition": "GUILTY",
"DispositionDate": "05/20/2015",
"Court": "AJO JUSTICE"
},
{
"CaseType": "MISDEMEANOR",
"Description": "DRUG PARAPHERNALIA-POSSESS/USE",
"FilingDate": "04/23/2015",
"Disposition": "PLEA GUILTY/RESP SENT IMPOSED",
"DispositionDate": "05/20/2015",
"Court": "AJO JUSTICE"
}
]
}
}
]
}
}
}
}
},
"evictionReport": {
"success": true,
"response": {
"XML2025": {
"OrderResponse": {
"Name": "BAY,JOHNNIE",
"FIRST": "JOHNNIE",
"MIDDLE": "",
"LAST": "BAY",
"Reference": "TESTCASE",
"Message": "This applicant cannot be conducted through the automated system at this time. Please contact Customer Service.",
"DOBSupplied": "07/29/1959",
"ResponseID": "119"
}
}
}
}
}
}
},
"transactionId": "2712863"
}
Exclusion Codes
When a VantageScore cannot be generated, the API returns an exclusion code in the Score field instead of a numeric score. Developers must handle these codes and display the appropriate message to users.
| Score Value | Exclusion Reason | Criteria |
|---|---|---|
| 1 | Deceased | Consumer file indicates the individual is deceased |
| 4 | Lack of Information | No credit report data available (except possible inquiries) This can be considered a thin-file user. |
| 9000 | Too Many Records | Credit profile contains too many tradelines, inquiries, and or public records to generate score. |
Display Requirements
Experian integrators must display the credit score, the scoring model (VantageScore 3.0 or 4.0), and all associated positive and negative reason codes next to the score.
Test Consumers
We used the same test cases from our Credit and Background Data guide, our most popular bundle. The list below lets you compare VantageScore 3.0 and 4.0 scores and includes exclusion codes for full coverage. Use the provided tokens to bypass authentication and speed up development or remove dependency on authentication step.
| Last Name | Middle | First Name | Vantage 3.0 | Vantage 4.0 | Consumer token |
|---|---|---|---|---|---|
|
593 |
625 |
M2U5MmQ1ZTEtY2EzNi00Y2VlLTgzMGEtMjg0MWY5NWIyNjJm |
|||
|
L |
506 |
566 |
ZmM1MmVmZmEtOGI1Yy00MWRiLTk1NTYtM2I4ODFiNDc5NTJl |
||
|
744 |
810 |
OTUzYjUwZmItMzcwMS00MmYyLWJmZmQtN2MwYjc2M2I4MzAw |
|||
|
E |
789 |
766 |
MTQwYWRmZTItNTRkNi00NzI3LTk2OGItOGMzY2NkZTZiODQ1 |
||
|
665 |
641 |
NWUyMDZkOGMtODIxYi00YmE5LTkxOWQtODVmNDllN2IzZmQ5 |
|||
|
S |
825 |
811 |
NTFmNWQ0ZmMtN2I4OC00ODI4LWI0OGEtNjJjNjk1NTQ3ZTVh |
||
|
607 |
600 |
NzQ4ZWYzYzAtMTIzMi00ZjYxLWJkYjAtZjYyMGJiZDViOWY2 |
|||
|
4 |
4 |
NjNjYjQ0MDQtNjA0Yy00YzQ0LTg4ZTMtNTVlYTIyNjJhNzMx |
|||
|
557 |
606 |
MTZiMjhhYTAtZTcwNS00Yjg4LWIxYTQtNzc5NjQyOWZhYWU1 |
|||
|
4 |
4 |
YzRmYjMwNTUtNDNmNy00Yjk4LTg3ZTktY2VkZTc3YWI5ZGI4 |
|||
|
837 |
829 |
Mzg2Yjg1NTUtMWNlNS00ZWVkLTkyODAtZjI4ZDZhYjBmMTc4 |
|||
|
R |
696 |
798 |
OWY5NDY5ZTQtZjM2Yi00YWIzLTgzZGMtOTNiYmMxYjM4MDA4 |
||
|
L |
810 |
797 |
MmUyOWU3ZTQtNTI2Yy00YTkxLThmNGEtYTQwZTk2M2ViMDg1 |
||
|
K |
547 |
555 |
YzIzYTMxOTctNjliMC00MDVjLThlZDEtNmEwZjIwMmQ2NDQ0 |
||
|
M |
646 |
731 |
M2RiNmQ1ZGYtYzFhMS00ZjNkLTliZWEtNmMzMTUyMjU4MzNl |
||
|
W |
772 |
727 |
NGQ1NDYyOTQtMjNhMi00ODhlLWE3YWItZGYyMTFhNWU2ZDJh |
||
|
E |
470 |
570 |
NjM1N2M5ODctNDNkZC00NzQ0LTliYmMtNDE5OGU1N2I3YzJi |
||
|
408 |
460 |
Mjc5NWFiZWUtNjUzMS00NGQzLWFkMmQtMDcxMzM4Y2ZjYmVi |
|||
|
799 |
795 |
YmQxNTMwZTgtODc1OC00ZjMzLTg4MDctNjJmMmUxMzJkOWM2 |
|||
|
L |
736 |
723 |
YzdmYmY4NDYtOWMxZS00MTQzLWI3NGMtMjA1MWE2ZjE1OTcx |
||
|
Gayle |
734 |
782 |
MGI5M2JmNzAtM2QxNC00OTg3LWFiODYtNTljOTRjNDY5OWVi |
||
|
Ann |
612 |
662 |
ZGJlNTI5OGMtMTUyYy00NjlmLTgxZDQtYjZjOTY3NjhlZDQz |
||
|
L |
749 |
726 |
YmJmODE3YzQtMDk0YS00MmZlLTk5NjctMDg2MzU0YzhkYTg4 |
||
|
4 |
4 |
ZjRjZWIyODktOTYwNi00YTUzLTliMzItNTAwZGY3NjBhYzkz |
|||
|
9193 - No record |
N2RiZjM3YjUtZWE0OC00M2Y1LWJhMDQtYjc3MGZjOWM2N2Rl |
||||
|
N |
674 |
667 |
Njk2MmFkNjgtMzk1MC00YjcyLTk3YjktODc4ZDZiZmMyMGMz |
||
|
T |
652 |
633 |
ZDI2NDIxOTQtMmE4Ny00NTdhLThkOWQtYjcwZGM3M2Y4MDBj |
||
|
722 |
779 |
Yzc4ZjZjYmUtZGEwMi00M2YxLTk1YTMtMzc0NDE4NWIwMTJk |
|||
|
698 |
722 |
N2JkZjUxYmQtNmJkNi00YzA3LTllYmYtMTgyNDBiMjc0NDYw |
|||
|
769 |
766 |
ODYxMDgyNjMtMjQ0Ny00ZmU4LWE0NjMtOGQwM2JhMjM0YWEw |
|||
|
760 |
786 |
NWQwMmZmMGYtODA5Yy00Nzc2LWIzNmQtOGYzZWZjZWUyMTY1 |
|||
|
731 |
722 |
YWUwNWI5OGYtMzhjYy00NjVkLWFlMGEtMjk5ZDJmY2VhNTJj |
|||
|
763 |
759 |
NWExZWYxZGQtMGEzYS00YWIyLTkxNTItYjhkZGQyMTI1Y2Nh |
|||
|
649 |
690 |
ODhmMWUxNTQtMjE4OC00Yzc5LWExNDktYTY2NmUxYjMzNjRj |
|||
|
624 |
647 |
NGI3NmRmOWEtNzcxZi00ODk5LWEzZWUtZjMzZTQ5NGY1M2I5 |
|||
|
9000 |
9000 |
MzNmM2UwNDItZWQ3YS0xMWYwLTg3MGMtYmMwOTFiMTY0ZTY5 |
|||
|
Anderson |
Kirk |
1 |
1 |
OTlhYmI5OGEtZWQ2ZS0xMWYwLThiNWMtYmMwOTFiMTY0ZTY5 |
|
Factor Codes
Negative Factor Codes
| VantageScore 3.0 | |
|---|---|
| 04 | The balances on your accounts are too high compared to loan amounts |
| 05 | Too many of the delinquencies on your accounts are recent |
| 06 | You have too many accounts that were opened recently |
| 07 | You have too many delinquent or derogatory accounts |
| 08 | You have either very few loans or too many loans with recent delinquencies |
| 09 | The worst payment status on your accounts is delinquent or derogatory |
| 10 | You have either very few loans or too many loans with delinquencies |
| 11 | The total of your delinquent or derogatory account balances is too high |
| 12 | The date that you opened your oldest account is too recent |
| 13 | Your most recently opened account is too new |
| 14 | Lack of sufficient credit history |
| 15 | Newest delinquent or derogatory payment status on your accounts is too recent |
| 16 | The total of all balances on your open accounts is too high |
| 17 | Balances on previously delinquent accounts are too high compared to loan amts |
| 18 | Total of balances on accounts never late is too high compared to loan amounts |
| 20 | <This code is not currently being used> |
| 21 | No open accounts in your credit file |
| 22 | No recently reported account information |
| 23 | Lack of sufficient relevant account information |
| 29 | Too many of your open bankcard or revolving accounts have a balance |
| 30 | Too few of your bankcard or other revolving accounts have high limits |
| 31 | Too many bankcard or other revolving accounts were opened recently |
| 32 | Balances on bankcard or revolving accounts too high compared to credit limits |
| 33 | Your worst bankcard or revolving account status is delinquent or derogatory |
| 34 | Total of all balances on bankcard or revolving accounts is too high |
| 35 | Your highest bankcard or revolving account balance is too high |
| 36 | Your largest credit limit on open bankcard or revolving accounts is too low |
| 39 | Available credit on your open bankcard or revolving accounts is too low |
| 40 | The date you opened your oldest bankcard or revolving account is too recent |
| 42 | The date you opened your newest bankcard or revolving account is too recent |
| 43 | Lack of sufficient credit history on bankcard or revolving accounts |
| 44 | Too many bankcard or revolving accounts with delinquent or derogatory status |
| 45 | Total balances too high on delinquent/derogatory bankcard or revolving accts |
| 46 | <This code is not currently being used> |
| 47 | No open bankcard or revolving accounts in your credit file |
| 48 | No bankcard or revolving recently reported account information |
| 49 | Lack of sufficient relevant bankcard or revolving account information |
| 53 | The worst status on your real estate accounts is delinquent or derogatory |
| 54 | The amount of balance paid down on your open real estate accounts is too low |
| 55 | Open real estate account balances are too high compared to their loan amounts |
| 56 | <This code is not currently being used> |
| 57 | Too many real estate accounts with delinquent or derogatory payment status |
| 58 | The total of all balances on your open real estate accounts is too high |
| 59 | <This code is not currently being used> |
| 60 | <This code is not currently being used> |
| 61 | No open real estate accounts in your credit file |
| 62 | No recently reported real estate account information |
| 63 | Lack of sufficient relevant real estate account information |
| 64 | No open first mortgage accounts in your credit file |
| 65 | Lack of sufficient relevant first mortgage account information |
| 66 | Your open auto account balances are too high compared to their loan amounts |
| 67 | <This code is not currently being used> |
| 68 | No open auto accounts in your credit file |
| 69 | Lack of sufficient relevant autoaccount information |
| 71 | You have either very few installment loans or too many with delinquencies |
| 72 | Too many installment accounts with a delinquent or derogatory payment status |
| 73 | The worst status on your installment accounts is delinquent or derogatory |
| 74 | The balance amount paid down on your open installment accounts is too low |
| 75 | The installment account that you opened most recently is too new |
| 76 | You have insufficient credit history on installment loans |
| 77 | Newest delinquent or derogatory status on installment accounts is too recent |
| 78 | Balances on installment accounts are too high compared to their loan amounts |
| 79 | Too many of the delinquencies on your installment accounts are recent |
| 80 | <This code is not currently being used> |
| 81 | No open installment accounts in your credit file |
| 82 | <This code is not currently being used> |
| 83 | Lack of sufficient relevant installment account information |
| 84 | The number of inquiries was also a factor, but effect was not significant |
| 85 | You have too many inquiries on your credit report. |
| 86 | Your credit report contains too many derogatory public records |
| 87 | Your credit report contains too many unsatisfied public records |
| 88 | One or more derogatory public records in your credit file is too recent |
| 90 | Too few discharged bankruptcies |
| 93 | The worst status on your student loan accounts is delinquent or derogatory |
| 94 | The balance amount paid down on your open student loan accounts is too low |
| 95 | You have too many collection agency accounts that are unpaid |
| 96 | The total you owe on collection agency accounts is high |
| 97 | You have too few credit accounts |
| 98 | There is a bankruptcy on your credit report |
| VantageScore 4.0 | |
|---|---|
| 03 | Average time since accounts opened is too recent |
| 04 | Balances on accts too high compared to credit limits and loan amounts |
| 05 | Too many recent delinquencies |
| 06 | Too many accounts recently opened |
| 07 | Too many delinquent or derogatory accounts |
| 08 | Too few accounts recently paid as agreed |
| 09 | Delinquent or derogatory account |
| 10 | Too few accounts paid as agreed |
| 11 | Oldest account was opened too recently |
| 12 | Delinquent or derogatory status on accounts is too recent |
| 13 | Balances on delinquent or derogatory accounts are too high |
| 14 | Too high proportion of accounts recently opened |
| 15 | Lack of recently reported accounts |
| 16 | Total of credit limits and loan amounts is too low |
| 17 | No open accounts in your credit file |
| 18 | Lack of account information |
| 19 | <No negative reason code> |
| 20 | Delinquent or derogatory bankcard |
| 21 | Too many bankcards with a high balance |
| 22 | Too few bankcards with high credit limit |
| 23 | Too high proportion of bankcards recently opened |
| 24 | Too many bankcards with high balance compared to credit limit |
| 25 | Too high proportion of balances from bankcards |
| 26 | Balances on bankcards are too high |
| 27 | Delinquent or derogatory status on revolving accounts is too recent |
| 28 | Average credit limit on open bankcards is too low |
| 29 | Balances on bankcards are too high compared with credit limits |
| 30 | Too few open revolving accounts |
| 31 | Not enough available credit on revolving accounts |
| 32 | Oldest bankcard was opened too recently |
| 33 | Not enough balance paid down over time on bankcards |
| 34 | Most recently opened revolving account is too new |
| 35 | Lack of revolving account information |
| 36 | Lack of recently reported revolving accounts |
| 37 | No open bankcards in your credit file |
| 38 | Lack of bankcard account information |
| 39 | Balances on delinquent or derogatory bankcards are too high |
| 40 | Too many delinquent or derogatory revolving accounts |
| 41 | Average time since revolving accounts opened is too recent |
| 42 | Total credit limits on open revolving accounts are too low |
| 43 | Too many revolving accounts with high balance compared to credit limit |
| 44 | Balances on revolving accts are too high compared with credit limits |
| 45 | Not enough balance paid down over time on retail accounts |
| 46 | Oldest revolving account was opened too recently |
| 47 | No open retail accounts in your credit file |
| 48 | Lack of retail account information |
| 49 | Not enough balance paid down over time on revolving accounts |
| 50 | Balances on personal installment accts too high compared to loan amts |
| 51 | Too few installment accounts recently paid as agreed |
| 52 | Delinquent or derogatory installment account |
| 53 | Not enough balance paid down over time on installment accounts |
| 54 | Delinquent or derogatory status on installment accounts is too recent |
| 55 | Lack of recently reported auto accounts |
| 56 | Lack of recently reported installment accounts |
| 57 | No open installment accounts in your credit file |
| 58 | Lack of installment account information |
| 59 | Balances on retail cards are too high compared with credit limits |
| 60 | Total delinquent or derogatory balances on real estate loans too high |
| 61 | No open first mortgage accounts in your credit file |
| 62 | Lack of first mortgage account information |
| 63 | Delinquent or derogatory real estate secured loan |
| 64 | Not enough balance paid down over time on real estate secured loans |
| 65 | Oldest real estate secured loan was opened too recently |
| 66 | Delinquent or derogatory status on real estate loans is too recent |
| 67 | No open real estate secured loans in your credit file |
| 68 | Lack of real estate secured loan information |
| 69 | Too high proportion of balances from loans not secured by real estate |
| 70 | Too high proportion of auto accounts are delinquent or derogatory |
| 71 | Not enough balance paid down over time on auto accounts |
| 72 | Too few auto accounts paid as agreed |
| 73 | Delinquent or derogatory auto account |
| 74 | Balances on auto accounts are too high compared with loan amounts |
| 75 | Payments on auto accounts less than scheduled amount |
| 76 | Delinquent or derogatory status on auto accounts is too recent |
| 77 | No open auto accounts in your credit file |
| 78 | Lack of auto account information |
| 79 | <No negative reason code> |
| 80 | Delinquent or derogatory student loan |
| 81 | Not enough balance paid down over time on student loans |
| 82 | Lack of recently reported student loans |
| 83 | <No negative reason code> |
| 84 | Number of inquiries was a factor in determining the score |
| 85 | Too many inquiries |
| 86 | Derogatory public records |
| 87 | Unpaid collections |
| 88 | Bankruptcy |
| 89 | <No negative reason code> |
| 90 | No open revolving accounts in your credit file |
| 91 | Balances on delinquent or derogatory revolving accounts are too high |
| 92 | Delinquent or derogatory first mortgage |
| 93 | Not enough balance paid down over time on first mortgage accounts |
| 94 | <No negative reason code> |
| 95 | <No negative reason code> |
| 96 | Too few open accounts |
| 97 | Too few accounts |
Positive Factor Codes
| VantageScore 3.0 | |
|---|---|
| P04 | The balances on your accounts are not too high compared to loan limits |
| P05 | There are no or only a few recent delinquencies on your accounts |
| P06 | You have few or no accounts that were opened recently |
| P07 | You have either no or few delinquent or derogatory accounts |
| P08 | One or more of your accounts were paid on time in recent months |
| P09 | None of your accounts have a severe delinquency or a derogatory status |
| P10 | One or more of your accounts have been paid on time |
| P11 | You have few or no accounts with delinquent or derogatory balances |
| P12 | The date that you opened your oldest account is not too recent |
| P13 | Your most recently opened account is not too new |
| P14 | Your credit file contains enough information about your use of credit |
| P15 | None of your accounts have a recent delinquency or a derogatory status |
| P16 | The total of all balances on your open accounts is not too high |
| P17 | Balances on prior delinquent accounts not too high compared to loan amts |
| P18 | Total of balances on accts never late not too high compared to loan amts |
| P21 | No open accounts in your credit file |
| P22 | No recently reported account information |
| P23 | Lack of sufficient relevant account information |
| P29 | Few or none of your open bankcard or revolving accounts has a balance |
| P30 | One or more of your bankcard or revolving accounts has a high limit |
| P31 | Few or none of your bankcard or revolving accounts was opened recently |
| P32 | Balances on bankcard or revolving accts not too high compared to limits |
| P33 | No severe delinquency/derogatory status on bankcard or revolving accts |
| P34 | Total of all balances on bankcard or revolving accounts is not too high |
| P35 | Your highest bankcard or revolving account balance is not too high |
| P36 | Largest credit limit on open bankcard or revolving accts is not too low |
| P39 | Available credit on open bankcard or revolving accounts is not too low |
| P40 | Date your oldest bankcard or revolving account opened is not too recent |
| P42 | Date your newest bankcard or revolving account opened is not too recent |
| P43 | Credit file has enough history on your use of bankcard/revolving accts |
| P44 | Few or no bankcard or revolving accts with delinquent/derogatory status |
| P45 | Few or no bankcard/revolving accts with delinquent /derogatory balances |
| P47 | No open bankcard or revolving accounts in your credit file |
| P48 | No bankcard or revolving recently reported account information |
| P49 | Lack of sufficient relevant bankcard or revolving account information |
| P50 | No open retail revolving accounts in your credit file |
| P52 | No open home equity loans in your credit file credit file account conditions |
| P53 | No real estate accounts with severe delinquency or derogatory status |
| P54 | Amount of balance paid down on open real estate accounts is not too low |
| P55 | Open real estate account balances not too high compared to loan amounts |
| P56 | <This code is not currently being used> |
| P57 | Few or no real estate accts with delinquent or derogatory payment status |
| P58 | The total of all balances on open real estate accounts is not too high |
| P59 | <This code is not currently being used> |
| P61 | No open real estate accounts in your credit file |
| P62 | No recently reported real estate account information |
| P63 | Lack of sufficient relevant real estate account information |
| P64 | No open first mortgage accounts in your credit file |
| P65 | Lack of sufficient relevant first mortgage account information |
| P66 | Balances on open auto accounts are not too high compared to loan amounts |
| P68 | No open auto accounts in your credit file |
| P69 | Lack of sufficient relevant auto account information |
| P70 | No open personal installment loans in your credit file |
| P71 | One or more of your installment accounts has been paid on time |
| P72 | Few or no installment accts with delinquent or derogatory payment status |
| P73 | No installment accounts with a severe delinquency or derogatory status |
| P74 | Amount of balance paid down on open installment accounts is not too low |
| P75 | Your most recently opened installment account is not too new |
| P76 | Your credit file has enough history on your use of installment loans |
| P77 | Newest delinquent /derogatory status on installment accts not too recent |
| P78 | Installment account balances not too high compared to loan amounts |
| P79 | You have few or no recent delinquencies on your installment accounts |
| P81 | No open installment accounts in your credit file |
| P82 | <This code is not currently being used> |
| P83 | Lack of sufficient relevant installment account information |
| P85 | You have few or no inquiries on your credit report |
| P86 | You have few or no derogatory public records on your credit report |
| P87 | You have few or no unsatisfied public records on your credit report |
| P88 | You have no recent derogatory public records on your credit report |
| P90 | You have one or more discharged bankruptcies |
| P92 | No open student loan accounts in your credit file |
| P93 | No student loan accounts with a severe delinquency or derogatory status |
| P94 | Amount of balance paid down on open student loan accounts is not too low |
| P95 | You have few or no unpaid collection agency accounts |
| P96 | You have few or no collection agency account balances |
| P98 | There is no bankruptcy on your credit report |
| VantageScore 4.0 | |
|---|---|
| P03 | Average time since accounts opened is not too recent |
| P04 | Balances on accts are low compared to credit limits and loan amounts |
| P05 | Few or no recent delinquencies |
| P06 | Few or no accounts recently opened |
| P07 | Few or no accounts delinquent or derogatory |
| P08 | One or more accounts recently paid as agreed |
| P09 | No delinquent or derogatory account |
| P10 | One or more accounts paid as agreed |
| P11 | Oldest account was not opened too recently |
| P12 | Delinquent or derogatory status on accounts is not too recent |
| P13 | Balances on delinquent or derogatory accounts are not too high |
| P14 | Proportion of accounts recently opened not too high |
| P15 | Lack of recently reported accounts |
| P16 | Total of credit limits and loan amounts is high |
| P17 | No open accounts in your credit file |
| P18 | Lack of account information |
| P19 | Enough real estate secured loans |
| P20 | No delinquent or derogatory bankcard |
| P21 | Few or no bankcards with a high balance |
| P22 | One or more bankcards with high credit limit |
| P23 | Proportion of bankcards recently opened not too high |
| P24 | Few or no bankcards with high balance compared to credit limit |
| P25 | Proportion of balances from bankcards not too high |
| P26 | Balances on bankcards are not too high |
| P27 | Delinquent or derogatory status on revolving accts is not too recent |
| P28 | Average credit limit on open bankcards is high |
| P29 | Balances on bankcards are not too high compared with credit limits |
| P30 | Enough open revolving accounts |
| P31 | Available credit on open revolving accounts is high |
| P32 | Oldest bankcard was not opened too recently |
| P33 | Balance paid down over time on bankcards is high |
| P34 | Most recently opened revolving account is not too new |
| P35 | Lack of revolving account information |
| P36 | Lack of recently reported revolving accounts |
| P37 | No open bankcards in your credit file |
| P38 | Lack of bankcard account information |
| P39 | Balances on delinquent or derogatory bankcards are not too high |
| P40 | Few or no revolving accounts delinquent or derogatory |
| P41 | Average time since revolving accounts opened is not too recent |
| P42 | Total credit limits on open revolving accounts are high |
| P43 | Few or no revolving accts with high balance compared to credit limit |
| P44 | Balances on revolving accts are not too high compared to credit limits |
| P45 | Balance paid down over time on retail accounts is high |
| P46 | Oldest revolving account was not opened too recently |
| P47 | No open retail accounts in your credit file |
| P48 | Lack of retail account information |
| P49 | Balance paid down over time on revolving accounts is high |
| P50 | Balances on personal installment not too high compared to loan amounts |
| P51 | One or more installment accounts recently paid as agreed |
| P52 | No delinquent or derogatory installment account |
| P53 | Balance paid down over time on installment accounts is high |
| P54 | Delinquent or derogatory status on installment accts is not too recent |
| P55 | Lack of recently reported auto accounts |
| P56 | Lack of recently reported installment accounts |
| P57 | No open installment accounts in your credit file |
| P58 | Lack of installment account information |
| P59 | Balances on retail cards are not too high compared with credit limits |
| P60 | Delinquent or derogatory balances on real estate loans not too high |
| P61 | No open first mortgage accounts in your credit file |
| P62 | Lack of first mortgage account information |
| P63 | No delinquent or derogatory real estate secured loan |
| P64 | Balance paid down over time on real estate secured loans is high |
| P65 | Oldest real estate secured loan was not opened too recently |
| P66 | Delinquent or derogatory status on real estate loans is not too recent |
| P67 | <No positive reason code> |
| P68 | Lack of real estate secured loan information |
| P69 | Proportion of balances on loans not secured by real estate is not high |
| P70 | Proportion of delinquent or derogatory auto accounts is not too high |
| P71 | Balance paid down over time on auto accounts is high |
| P72 | One or more auto accounts were paid as agreed |
| P73 | No delinquent or derogatory auto account |
| P74 | Balances on auto accounts are not too high compared with loan amounts |
| P75 | Few or no payments on auto accounts less than scheduled amount |
| P76 | Delinquent or derogatory status on auto accounts is not too recent |
| P77 | No open auto accounts in your credit file |
| P78 | Lack of auto account information |
| P79 | Few or no installment or auto accounts recently opened |
| P80 | No delinquent or derogatory student loan |
| P81 | Balance paid down over time on student loans is high |
| P82 | Lack of recently reported student loans |
| P83 | Lack of student loan information |
| P84 | <No positive reason code> |
| P85 | Few or no inquiries |
| P86 | Few or no derogatory public records |
| P87 | Few or no unpaid collections |
| P88 | No bankruptcy |
| P89 | No open student loans in your credit file |
| P90 | No open revolving accounts in your credit file |
| P91 | Balances on delinquent or derogatory revolving accts are not too high |
| P92 | No delinquent or derogatory first mortgage |
| P93 | Balance paid down over time on first mortgage accounts is high |
| P94 | No delinquent or derogatory revolving account |
| P95 | Few or no bankcard or revolving accounts recently opened |
| P96 | Enough open credit accounts |
| P97 | Enough credit accounts |