Credit Score - Check Credit - Negative Reason Codes

Mortgage and Lending with VanDyk Mortgage Corporation

Credit Score - Check Credit - Negative Reason Codes

What you don't KNOW may hurt you, your credit Scores anyway!! 

4 NEGATIVE Reason Codes On You Credit Report!!

Did you know what really is in your credit Report?  Tell me one thing you know about your personal credit report, then I will tell you what some of those CODES mean, you know , NEGATIVE Reason Codes as they are called.

NEGATIVE REASON codes, hmmm.  Do you know what they are, how they function, why they appear on a mortgage credit report, your mortgage credit report?

How many negative reason codes are there?  I'll tell you they are quit a few.  I found a list of 42, so let me give you a few and I will tell you why I think they are directly tied to your personal credit report and how they might be a reflection on your CREDIT Scores.

Code #10 - Your credit balances are are to HIGH for your credit limits! 

Ya, the story of your life huh.  Well, its time to look at this Code and realize that it is a part of grading your credit and applying a score for the Three Credit Reporting Agencies (CRA's).  Have you ever heard of the CREDIT SCORECARDS held by FICO corporation.  This manual above describes and details for you so many things about your credit, you will be amazed of what is in your personal credit history.

Code #13 - The time since one of your accounts has been delinquent is too short.  This is hurting your fico score.

A minor reason you say?  I think not, because when the FICO corporation uses any of these negative reason codes, they go deep into the Scorecard systems that grade your credit then your credit is categorized into a Scorecard models, and some of these models are more negative than others, in terms of how likely the client will go delinquent within the next 90 days.  Wow. ...  this manual has taught so many great principals, others have never seen or heard of before, relating to their credit scores.

Code # 28 - You don't have the statistically optimal number of accounts on your credit report, this is preventing your FICO score from being higher. 

Great, who has the Colonel's secret receipe for scores?  Is this a secret that no one really has the correct information?  Why is it such a secret to the number of credit lines that one must have to be successful in this credit scoring system?  Where is the perfect receipe for the best scores?  Can't this be revealed by the big corporation so we can teach our younger children before they head to college, so they can maximize their credit rating?  Time will tell but the credit corporation who holds the magic pixie dust must come forward and they will not unless we as citizens begin to come forward.  Let's make a run on the credit corporation who holds the golden ticket, what do you say?

Code # 21 - You have accounts that are now currently past due ! 

No doubt Sherlock!  A shocking revelation to a main reason your credit scores are LOW.  Empower youself to capture all the Negative Reason Codes and understanding what is to understand about the Credit Scoring System today by the FICO corporation.  Do you know that there are several things you can do today to "take back the ground" you have given up on Low Credit Scores.  Here are a few ways:

1.  Read more about the Credit Secrets Bible manual, clicking on the book above (redirects you to more information)

2.  Start a repayment process to your Credit accounts by enrolling in a Debt Settlement (settling your past debts down to 40-50% of their current balances)  company and certainly do this before filing for bankruptcy  **email me about this process

3.  Start a Credit Repair Dispute process:  contact me for the best option too:

Credit Score - Check Credit - Negative Reason Codes

Kindest regards,

Pat Killeen



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  1. Michael S. Mackey 04/17/2009 06:49 AM
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Michael S. Mackey
CENTURY 21 All Islands - Mililani, HI

Pat, this is great information! I knew nothing about this, never heard of the negative reason codes. Would you please repost this on my new group site, the Credit Card Revolt group? Please consider joining also!

Apr 16, 2009 12:10 PM #1
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