Score Models, Purpose Codes, and Fraud Products

Here are all the score models for the three main bureaus. These are important to note when filling out forms to download credit reports.

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Purpose Codes

Purpose CodeDescription
ARIntends to use the information as a potential investor, servicer, or current insurer in connection with a valuation of, or assessment of, the credit or prepayment risks.
BFA deposit account information service company, which issues reports regarding account closures due to fraud, substantial overdrafts, ATM abuse, or similar negative information regarding a consumer, to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution.
BNA legitimate business need in connection with a business transaction that is initiated by the consumer.
CFIn connection with a credit transaction where medical information is relevant to the credit transaction and where the consumer provides specific written consent that describes in clear and conspicuous language the use for which any medical information will be furnished.
CIIn accordance with written instructions of the consumer to whom it relates.
CLIn connection with a collection transaction involving the consumer for the collection of an account of the consumer.
CPIn response to an agency administering a state plan under Section 454 of the Social Security Act (42 U.S.C. 654) for use to set an initial or modified child support award.
CRIn accordance with written instructions of the consumer through a reseller.
CSIn response to a request by the head of a state or local child support enforcement agency (or a state or local government official authorized by the head of such an agency) that has met all requirements of Section 604(a)(4)(A,B,C,D).
CTIn connection with a credit transaction involving the consumer and for the extension of credit or review or collection of an account of the consumer.
EFFor employment purposes where medical information is relevant to the employment transaction and where the consumer provides specific written consent that describes in clear and conspicuous language the use for which any medical information will be furnished.
EPFor employment purposes with written authorization.
GFIn connection with a determination of eligibility for a license or other benefit granted by a governmental instrument required by law to consider financial responsibility or status.
GRUse falling under FCRA Section 608 – Disclosures to Governmental Agencies.
HCThe Texas Health and Human Services Commission acting under Section 531.102 Government Code (Investigations and Enforcement Office).
HSIf the end user of the consumer report is the California State Department of Health Services or its agents or assignees acting to investigate Medi-Cal fraud.
IMIn connection with the underwriting of insurance and the consumer affirmatively consents to the release of any medical information contained on the consumer’s file.
INIn connection with the underwriting of insurance.
ISIn connection with an insurance claim where written permission of the consumer has been obtained.
MSAny person or entity administering a credit file monitoring subscription service to which the consumer has subscribed.
NEA person holding a license issued by the Nevada Gaming Commission pursuant to Title 41 of the Nevada Revised Statutes — or the subsidiary, affiliate, agent, assignee, or prospective assignee of that person — for purposes relating to any activities conducted pursuant to the license.
PCIn connection with pre-screen back end verification that determines if the consumer who accepts prescreen firm offers still meets the specific criteria.
PRIn connection with the review of existing policy holders for insurance underwriting purposes.
PYFor a legitimate business need in connection with a transaction initiated by the consumer for the approval or processing of negotiable instruments, EFTs, or similar methods of payment through a check, fraud prevention, or deposit account information service.
RAA legitimate business needs to review an account to determine whether the consumer continues to meet the terms of the account.
RPAny person or entity for the purpose of providing a consumer with a copy of his or her credit report upon the consumer’s request.
SIIn response to the order of a court having jurisdiction or a subpoena issued by a federal grand jury (1).
SPIf the end user is any state or local agency, law enforcement, trial court, or private collection agency acting on a court order, warrant, or subpoena.
TBEnd user is the California Franchise Tax Board or its agents or assignees investigating or collecting delinquent taxes or unpaid court orders or to fulfill any of its statutory responsibilities.
TSIn connection with a tenant screen application involving the consumer.
TXThe Texas Comptroller acting to investigate or collect delinquent sales or franchise taxes, or a tax assessor-collector acting to investigate or collect delinquent ad valorem taxes.
VFVermont Department of Prevention, Assistance, Transition, and Health Access or its agents or assignee acting to investigate Medicaid fraud.
VTVermont Department of Taxes, municipal taxing authorities, or the Department of Motor Vehicles or any of their agents or assignees, acting to investigate or collect delinquent taxes or assessments, including interest and penalties, unpaid court orders, or to fulfill any of their other statutory or charter responsibilities.
WSWashington Department of Social and Health Services acting to fulfill any of its statutory responsibilities.

Purpose Code



To acquire/service/insure account


Written Authorization




Child Support


Written Authorization


Child Support


Credit Transaction




Government License or Benefit


Insurance Underwriting


Insurance Underwriting


Account Review


Court Order/Subpoena


Tenant Screening


Governmental Agency use


Fraud Prevention/Detection


Consumer Dispute Resolution


Consumer Benefit Purposes


Law Enforcement


Insurance with Consumer Request


Fiduciary Capacity


Authorized Transaction Related


Commercial – individual


Commercial – individual


Credit Transaction with Medical Information


Employment with Medical Information


Insurance Underwriting with Medical Information


Direct to Consumer with Medical Information


Written authorization, consumer consent – bankruptcy filing purposes


Credit transaction on an automobile, truck or motorcycle


Credit transaction on automotive repair


Credit transaction on automotive parts, tires, etc


Credit transaction on a boat or recreational vehicle


Credit transaction on farm equipment


Credit transaction on a mortgage loan origination


Credit transaction on a mortgage loan refinancing


Credit transaction on a home equity loan line of credit


Credit transaction on a personal loan


Credit transaction on a credit card


Credit transaction on home furnishings


Credit transaction on general contracting / home improvement


Credit transaction on air conditioning / heating / plumbing or electrical


Credit transaction on lumber / building materials / hardware


Credit transaction on hospitalization / medical care / dental care


Credit transaction on personal services


Credit transaction on home heating oil / fuel


Credit transaction on telephone / electrical / gas / water utilities household garbage removal


Credit transaction on wholesale goods


Consumer copy of credit report or credit score


Credit file or credit score monitoring service


Housing counseling agency

Purpose CodeDescription
03Partially Secured
04Home Improvement
05FHA Home Improvement Loan
06Installment Sales Contract
07Charge Account
08Real Estate
09Loan Secured by Co-Signer
0ATime Share
0BConsumer Inquiry
0CFactoring Company
0DSocial Search – Permissible for Employment Purpose
0ESubscriber Numeric Inquiry
0FConstruction Loan
10Business Loan
11Recreational Merchandise
14Co-signer (not borrower)
15Line of Credit
16FHA Co-signer (not borrower)
17Mobile Home
18Credit Card
19FHA Real Estate Mortgage
1ALender Placed Insurance
1BLegitimate Business Purpose
1CPurchase of Household Goods
1DAddress Update Permissible for Employment Purposes
1FE-Verify (Customer)
20Note Loan
21Note Loan with Co-Signer
22Secured by Household Goods
23Secured by Household Goods / Other Collateral
25VA Real Estate Mortgage
26Conventional Real Estate Mortgage
27Real Estate Mortgage (usually a 2nd)
29Rental Agreement
2ASecured Credit Card
2BResponse to Subpoena
2CReal Estate Mortgage, Farmers Home Administration (FMHA)
2DUtility Company Review
2EInitial Request NX
2FPublic Assistance
30Summary of Accounts Same Status
31Unknown – Extension of credit, review, or collection
32Bankruptcy Notification
33Manual Mortgage
34Debt Counseling Service
37Combined Credit Plan
39Consumer Assistance Disclosure
3AAuto Lease
3BAdministrative Inquiry
3CLicensing CA & NV Legal Requirement
3DColorado Negative Notification
3EDisclosure Free – Employment
3FPre-Qualification Consent
40Skip Locate Notice Logged
42Account Monitor
43Debit Card
44Bullseye – Data Correction Profile
45Address Verification
46Address Update Permissible Purpose
47Credit Line Secured
48Collection Dept./Agency/Attorney
4BInstant Prescreen Program
4CCredit Valuation & Risk Assessment
4DCellular Phone
4EDisclosure Free – Public Assistance
4FTax Collection
50Family Support – Not for use by resellers
51Credentials (CSI)
52Credentials (CSI)
53Business Credit Quest
53Business Credit Prescreen
5AR.E. – Jr Liens and Non-Purchase Money First
5BSecond Mortgage
5CChecking or Savings/Possible Additional Offers
5DNumeric Inquiry NX Disclosure
5EDisclosure Free – Fraud
65Government Guaranteed Unsecured Loan
66Government Guaranteed Secured Loan
67Government Direct Unsecured Loan
68Government Direct Secured Loan
69Government Grant
6ACommercial Installment Loan
6BCommercial Mortgage
6CCredit Granting/Possible Additional Offers
6DHome Equity
6EDisclosure – Paid Fee
6HMortgage Underwriting Review
70Government Overpayment
71Government Fine
72Government Fee for Service
73Government Employee Advance
74Government Miscellaneous Debt
75Government Benefit
77Returned Check
78Installment Loan
79Social Search Permissible Purpose
7ACommercial Line of Credit
7CService Activation
7DPIN Point Address Permissible Purpose
7EDisclosure – NCAC Authentication
80File Comparison Inquiry
81Social Search Non-Permissible Purpose
82Address Update Non-Permissible Purpose
83Prescreen/Extract Post-Prescreen Inquiry
84Consumer Assistance Display
85Bi-Monthly Mortgage Payment
86Automated Mortgage Report
87Semi-Monthly Mortgage Payment
88Administrative Support
89Home Equity Line of Credit
8ABusiness Credit Card
8BDeposit Related
8DPIN Point Address Non-Permissible Purpose
8EDisclosure – On Behalf Of
90Medical Debt
91Debt Consolidation
92Utility Company
93Child Support – Not for use by resellers
94Spouse Support – Not for use by resellers
95Attorney Fees
96Checking Account
97Demand Deposit Account
98Credit Granting
99Account Management
9ASecured Home Improvement
9BBusiness Line Personally Guaranteed
9DPIN Point Address
9EDisclosure – Free State

Fraud Products

  • Fraud Shield OR Fraud Shield & Score
  • OFAC
  • Social Search
  • Level One Authentication
  • Precise ID Score
  • High Risk Fraud Alert
  • Trace
  • DTEC

Score Models

  • FICO 08 (RM-AF)
  • Fair Isaac v3 (RM-AA)
  • Fair Isaac v2 (RM-F)
  • Fair Isaac (RM-I)
  • FICO Advanced v2 (RM-M2)
  • FICO Bankruptcy (RM-FB)
  • FICO 08/Auto (RM-AG)
  • FICO v3/Auto (RM-AB)
  • FICO v2/Auto (RM-V)
  • FICO/Auto (RM-7)
  • FICO/Installment (RM-6)
  • MDS Bankruptcy (RM-B)
  • Bankruptcy PLUS (RM-BP)
  • Bankruptcy Watch (RM-5)
  • National Equivalency (RM-4)
  • National Risk Model (RM-3)
  • VantageScore (RM-Q)
  • Income Insight (RM-II)
  • Income Insight W2 (RM-IW)
  • Enhanced DAS
  • Non-Geo BNI ’99 (02502)
  • Bankruptcy Nav Idx 3.0 (02782)
  • Bankruptcy Nav Idx 3.0 Calibrated (02784)
  • Pinnacle 2.0 (02825)
  • Pinnacle 2.0 – FACT (02906)
  • VantageScore (02978)
  • FICO Classic 08 (00Q88)
  • FICO Classic 04 (00P02)
  • FICO Classic 98 (00950)
  • FICO Classic 95 (00002)
  • Delphi (00501)
  • FICO NextGen 03 (00R82)
  • FICO NextGen 00 (00227)
  • TU New Account 2.0 (00R59)
  • TU New Account (00219)
  • FICO Bankruptcy 03 (00X46)
  • FICO Bankruptcy 98 (00601)
  • TU Bankruptcy (00896)
  • VantageScore (00P94)