DECISION EVIDENCE

APP-1048395

PERSON-500004 · Partner Marketplace

Compare applicants

APP-1048395Withdrawn

MODEL PD5.0%

DECISION CUTOFF7.5%

MODELNimbus v4.1

NOTICE REASONNo adverse-action noticeNot applicable

Application received (UTC): 2026-01-03T15:42:00.000Z
Decision timestamp (UTC): 2026-01-04T15:42:00.000Z
System / effective model: v4.1 · 2026-01-01
Policy / mapper: CP-12 v2.3 / v3.4
Reason owner: Applicant withdrawal

01Application received02Eligibility: Eligibility passed03Nimbus v4.1 · PD 4.99%04Cutoff 7.5%05Override: None06Final: Withdrawn

Supplied factors

Factor	Value	Role
Bureau score	713	External score input
Debt-to-income	22%	Risk characteristic
Revolving utilization	18%	Risk characteristic
Income	$83,364	Application input
Amount	$34,233	Requested credit

Notice and principal-factor comparison

No notice for this withdrawn record.

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.