ReasonCode Powered by VantageScore™

Develop an Understanding of the Reason Code Definitions and How They Impact Credit Score
We designed this online tool to help you learn more about the reason codes related to your VantageScore credit scores, which are used widely by banks, credit card companies, and other lenders. You receive reason codes with the credit scores you purchase and on certain disclosure notices that lenders provide to you.
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What Are Reason Codes?
Reason codes are standardized alphanumeric identifiers that provide an explanation for various events, actions, or outcomes. The next time you see your credit score, regardless of where it comes from, look for the Reason Codes. They’ll be worded and displayed something like this:
Learn About Your Reason Codes
  • YOUR CREDIT SCORE IS: 705
  • 32:
    Balances on bankcard or revolving accounts too high compared to credit limits
  • 16:
    The total of all balances on your open accounts is too high
  • 85:
    You have too many inquiries on your credit report
  • 13:
    Your most recently opened account is too new
There are many ways you can obtain a credit score:
BUY IT YOURSELF
GET ONE FREE FROM ANY OF SEVERAL WEBSITES THAT OFFER THEM
RECEIVE IT IN A DISCLOSURE NOTICE AFTER APPLYING FOR CREDIT

Each of these options will come with a set of Reason Codes

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