DECISION EVIDENCE

APP-1048394

PERSON-500003 · Partner Marketplace

Compare applicants

APP-1048394Denied

MODEL PD4.2%

DECISION CUTOFF7.5%

MODELNimbus v4.1

NOTICE REASONOutside eligible service areaNot applicable

Application received (UTC): 2026-01-02T15:42:00.000Z
Decision timestamp (UTC): 2026-01-03T15:42:00.000Z
System / effective model: v4.1 · 2026-01-01
Policy / mapper: CP-12 v2.3 / v3.4
Reason owner: Eligibility policy E-02

01Application received02Eligibility: E-02 failed: documented eligible service area required03Nimbus v4.1 · PD 4.2%04Cutoff 7.5%05Override: None06Final: Denied

Supplied factors

Factor	Value	Role
Bureau score	712	External score input
Debt-to-income	21%	Risk characteristic
Revolving utilization	17%	Risk characteristic
Income	$122,824	Application input
Amount	$18,373	Requested credit

Notice and principal-factor comparison

Outside eligible service areaVerified

Factor: geography
Factor considered: Yes
Principal-factor support: Supported
Authority: Synthetic institution rules-engine trace
Evidence: EV-013

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.