DECISION EVIDENCE
APP-1049199
PERSON-500808 · Partner Marketplace
APP-1049199Approved
MODEL PD3.8%
DECISION CUTOFF7.5%
MODELNimbus v4.2
NOTICE REASONNo adverse-action noticeNot applicable
01Application received02Eligibility: Eligibility passed03Nimbus v4.2 · PD 3.78%04Cutoff 7.5%05Override: None06Final: Approved
Supplied factors
| Factor | Value | Role |
|---|---|---|
| Bureau score | 647 | External score input |
| Debt-to-income | 44% | Risk characteristic |
| Revolving utilization | 72% | Risk characteristic |
| Income | $56,052 | Application input |
| Amount | $5,520 | 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.