DECISION EVIDENCE

APP-1048392

PERSON-500001 · Partner Marketplace

Compare applicants

APP-1048392Denied

MODEL PD9.8%

DECISION CUTOFF7.5%

MODELNimbus v4.2

NOTICE REASONInsufficient credit historySupplied principal-factor lineage does not support this reason.

Application received (UTC): 2026-06-13T15:42:00.000Z
Decision timestamp (UTC): 2026-06-14T15:42:00.000Z
System / effective model: v4.2 · 2026-03-18
Policy / mapper: CP-12 v2.3 / v3.4
Reason owner: Reason mapper

01Application received02Eligibility: Eligibility passed03Nimbus v4.2 · PD 9.8%04Cutoff 7.5%05Override: None06Final: Denied

Supplied factors

Factor	Value	Role
Bureau score	702	External score input
Debt-to-income	36%	Risk characteristic
Revolving utilization	54%	Risk characteristic
Income	$76,000	Application input
Amount	$16,654	Requested credit

Notice and principal-factor comparison

Insufficient credit historyInconsistent

Factor: credit_history
Factor considered: No
Principal-factor support: Not supported
Authority: Synthetic institution decision-service factor record
Evidence: EV-002

Stated factor is not supported by the supplied principal-factor record.

Debt obligations relative to incomeVerified

Factor: dti
Factor considered: Yes
Principal-factor support: Supported
Authority: Synthetic institution decision-service factor record
Evidence: EV-002

Supported within the supplied synthetic principal-factor record; not a legal-sufficiency conclusion.

No explanation-to-law shortcut

Feature importance or SHAP rankings alone do not establish a principal reason or legal sufficiency. Competing explanations or unstable rankings require authoritative source reconciliation; this checker will not choose one by inference.