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Helpful "codes" explain the score

August 09, 2011 by John Krickus

In the holiday favorite, “A Christmas Story,” Ralphie drinks an ocean of Ovaltine in order to receive a Little Orphan Annie decoding ring. He uses this to finally decode the cryptic messages he tracked from the end of each episode of his favorite radio show. It turns out that all his hard work was to reveal the secret message “drink more Ovaltine.” To understand decreasing credit scores, you shouldn’t have to go through so much trouble—and in the end, you should receive meaningful messages—like the top four factors that lowered the score.

These top factors relate directly to the data that caused the score to decrease. Questions usually arise when no derogatory data is obvious. Score factor codes provide the insight needed to reveal the answers, such as number of accounts with delinquency, or high utilization of previous high credit. With score factor codes, you see what data drove the score lower—and whether you drink your Ovaltine, or not—that’s purely optional.

Want more? Learn about Intelliscore and score factor codes, click here:

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