Credit Card Glossary: Terms and Definitions
Adverse action codes
Score factors, also called reason codes or score factors, are numerical or word-based codes that describe the reasons why a particular credit score is not higher. For example, a code might cite a high utilization rate of available credit as the main negative influence on a particular credit score. The codes are often provided with credit score reports, or with adverse action reports issued after denial of credit. Different sources of credit scores use different code systems.