DECISION EVIDENCE
APP-1048850
PERSON-500459 · Partner Marketplace
APP-1048850Approved
MODEL PD5.5%
DECISION CUTOFF7.5%
MODELNimbus v4.2
NOTICE REASONNo adverse-action noticeNot applicable
01Application received02Eligibility: Eligibility passed03Nimbus v4.2 · PD 5.52%04Cutoff 7.5%05Override: None06Final: Approved
Supplied factors
| Factor | Value | Role |
|---|---|---|
| Bureau score | 768 | External score input |
| Debt-to-income | 29% | Risk characteristic |
| Revolving utilization | 23% | Risk characteristic |
| Income | $79,124 | Application input |
| Amount | $20,446 | Requested credit |
Notice and principal-factor comparison
No notice for this approved record.
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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.