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ReasonCode Powered by VantageScore®
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.
About Reason Codes
What Are Reason Codes?
What Do They Look Like?
They'll be worded and displayed something like this:
- 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.
Where Can I Learn More?
Simplifying Complex Reason Codes
We believe knowledge is power, and with ReasonCode.org, you'll gain the power to decipher reason codes with ease. No matter how you obtain your credit score, each will come with a set of reason codes. You can gain access to this report by:
Purchasing it yourself
Getting one for free from one of the several websites that offer them.
Receiving it in a disclosure notice after applying for credit
Join our growing community of reason code enthusiasts today and unlock a wealth of knowledge. Start exploring ReasonCode.org now and embark on a journey of understanding, clarity, and informed decision-making.