Policy rules are used to determine whether a loan is referred or declined. Loans that do not trigger any policy rules are accepted. 

Policy rules are based on information recorded on an applicant's credit history. 

These include, for example, whether an individual has had a County Court Judgement, if they've missed credit repayments, including defaulting on a loan agreement as well as fraud alerts. 

To understand the policy rules it is recommended that you read more about what each of the reason codes mean.  
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There are four lending strategies that can be applied, linked to loan values which can be changed to meet each lender's requirements. 

From 1 November the policy rules became even more flexible. Each rule can be switched on or off. This is indicated by a tick or cross.

Some rules have additional flexibility. For example a CCJ could be declined if it were for £500, but that value could also be set at £300 or even £1,000. For more information read the article on reason codes.

Risk indicators relate to the credit and identity scores and presence on the electoral roll.

These are the standard credit score cut offs. They are configurable:

The indebtedness rules assess affordability:

The missed payment rules alert a lender to missed payments and defaults:

The legal action rules identify when a borrower has been taken to court or made insolvent:

Finally the 'other' rules alert a lender to when someone is under 18, has been declared deceased or has a notice of correction on their file. The remaining rules relate to technical errors or show that we can't find an applicant on the TransUnion database (about 1 in 100 applications).

Next: Applicant Tab

Suggested reading: Understanding risk