The Bureau tab provides a list of reason codes triggered by a loan application. If no reason codes are triggered the loan will be an accept.

The tab is organised to make it easy to see whether a loan would be accepted, referred or declined according to each of the decision strategies. 

At a glance you can see if the loan would have been accepted for a lower or higher amount. 

There's no need to figure out manually what alternative offer could be made; this is automated.

Reason codes are triggered according to the strategy set which is based on the value of the loan. You can review the standard strategies here.

There may be a combination of decline and refer codes. There are detailed descriptions of what these mean.

The reason codes are categorised as follows:

Risk factors: Credit score, identity check

Indebtedness: Affordability information, including Over-indebtedness score

Missed payments: Statuses 1-4 and defaults

Legal action: Insolvencies and CCJs

Other: Age, deceased, notice of corrections, no match at bureau, auto-declines

All four decision strategies are presented. The chosen strategy for the loan is displayed with a larger font with a light blue background. 

The values that apply to each strategy are shown. These will vary from lender to lender. Green shows that the application is accept. Orange is refer. Red is decline. 

At a glance you can see if the loan would have been accepted for a lower amount. 

In the case below the loan application was for over £5,000 and was a decline. An alternative offer of £1,000 might be made as this is a refer on credit score. 

Additionally, an applicant might be offered a higher amount. 

In the case below the application was for under £2,000 yet on strategies up to £5,000 the applicant would have been an auto-accept.  

Next: Reason Codes

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