DECISION EVIDENCE
APP-1048650
PERSON-500259 · Partner Marketplace
APP-1048650Approved
MODEL PD4.7%
DECISION CUTOFF7.5%
MODELNimbus v4.2
NOTICE REASONNo adverse-action noticeNot applicable
01Application received02Eligibility: Eligibility passed03Nimbus v4.2 · PD 4.68%04Cutoff 7.5%05Override: None06Final: Approved
Supplied factors
| Factor | Value | Role |
|---|---|---|
| Bureau score | 638 | External score input |
| Debt-to-income | 44% | Risk characteristic |
| Revolving utilization | 73% | Risk characteristic |
| Income | $61,439 | Application input |
| Amount | $28,484 | Requested credit |
Notice and principal-factor comparison
No notice for this approved 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.