DECISION EVIDENCE
APP-1048651
PERSON-500260 · Partner Marketplace
APP-1048651Denied
MODEL PD11.8%
DECISION CUTOFF7.5%
MODELNimbus v4.2
NOTICE REASONHigh revolving utilizationNot applicable
01Application received02Eligibility: Eligibility passed03Nimbus v4.2 · PD 11.78%04Cutoff 7.5%05Override: None06Final: Denied
Supplied factors
| Factor | Value | Role |
|---|---|---|
| Bureau score | 639 | External score input |
| Debt-to-income | 45% | Risk characteristic |
| Revolving utilization | 74% | Risk characteristic |
| Income | $45,655 | Application input |
| Amount | $14,344 | Requested credit |
Notice and principal-factor comparison
High revolving utilizationCannot verify
Decision-specific authoritative lineage is absent or the reason is unmapped. Request both before interpretation.
Debt obligations relative to incomeCannot verify
Decision-specific authoritative lineage is absent or the reason is unmapped. Request both before interpretation.
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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.