DECISION EVIDENCE
APP-1048396
PERSON-500005 · Partner Marketplace
APP-1048396Incomplete
MODEL PD7.2%
DECISION CUTOFF7.5%
MODELNimbus v4.1
NOTICE REASONNo adverse-action noticeNot applicable
01Application received02Eligibility: Eligibility passed03Nimbus v4.1 · PD 7.17%04Cutoff 7.5%05Override: None06Final: Incomplete
Supplied factors
| Factor | Value | Role |
|---|---|---|
| Bureau score | 714 | External score input |
| Debt-to-income | 23% | Risk characteristic |
| Revolving utilization | 19% | Risk characteristic |
| Income | $93,904 | Application input |
| Amount | $20,093 | Requested credit |
Notice and principal-factor comparison
No notice for this incomplete 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.