DECISION EVIDENCE
APP-1048393
PERSON-500002 · Partner Marketplace
APP-1048393Approved
MODEL PD9.6%
DECISION CUTOFF7.5%
MODELNimbus v4.2
NOTICE REASONNo adverse-action noticeExisting relationship exception EX-041, documented delegated approval under CP-12 §4.2; consistency remains subject to review.
01Application received02Eligibility: Eligibility passed03Nimbus v4.2 · PD 9.6%04Cutoff 7.5%05Override: Policy exception06Final: Approved
Supplied factors
| Factor | Value | Role |
|---|---|---|
| Bureau score | 704 | External score input |
| Debt-to-income | 35% | Risk characteristic |
| Revolving utilization | 53% | Risk characteristic |
| Income | $77,000 | Application input |
| Amount | $32,514 | Requested credit |
Notice and principal-factor comparison
No notice for this approved record.
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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.