{"reasonCodesVersion":"1.0","formulaVersion":"5.3","note":"Stable, versioned reason codes for the deterministic reliability score. A partner that takes an adverse action reads a subject's ranked codes from GET /api/v1/users/{id}/score/explain (`reasonCodes`) and draws its Regulation B statement of specific reasons from the adverse ones. This catalog is the meaning of each code; it never changes under a code (see reasonCodesVersion).","method":"Each weighted scoring factor (completion 40%, on-time 35%, disputes 15%, verification 10%) contributes its formula weight × its shortfall from full. Verified-evidence and recency are score-gating modifiers and contribute a documented modifier weight × shortfall. Every input is reproducible from the append-only event ledger; the ranking is deterministic.","keyFactorLimit":4,"keyFactorGuidance":"The FCRA (15 U.S.C. 1681g(f)) and Regulation B commentary converge on disclosing up to four principal reasons. The derived list is NOT hard-capped: CFPB Circular 2023-03 forbids hiding a real reason to hit a number, so take the top `keyFactorLimit` adverse codes, but disclose more if more genuinely apply.","disclosures":["Credda is not a creditor or lender and makes no lending or credit decision.","Credda is not a consumer reporting agency and this output is not a consumer report under the FCRA.","These reason codes are deterministic factor attribution for a reliability record; they are not a rating, ranking, or verdict on the person.","Any adverse action (and the consumer notice the law requires for it) is the sole responsibility of the party that takes the action, never Credda."],"codes":[{"code":"CLEAN_DISPUTE_RECORD","factor":"disputes","direction":"supporting","title":"Clean dispute record","description":"There are no disputed or adverse outcomes on the record."},{"code":"DISPUTED_OUTCOMES_ON_RECORD","factor":"disputes","direction":"adverse","title":"Disputed outcomes on record","description":"The record includes disputed or adverse outcomes, which weigh on the dispute factor."},{"code":"ESTABLISHED_VERIFIED_HISTORY","factor":"evidence","direction":"supporting","title":"Established verified history","description":"The record includes an established base of independently confirmed outcomes, so the score carries full confidence."},{"code":"INACTIVE_RECORD","factor":"recency","direction":"adverse","title":"Inactive record","description":"There is no recently recorded activity, so the record may not reflect current behaviour. Older activity decays in weight over time."},{"code":"INDEPENDENTLY_VERIFIED_RECORD","factor":"verification","direction":"supporting","title":"Independently verified record","description":"Most of the record is confirmed by counterparties rather than self-reported."},{"code":"LIMITED_VERIFIED_HISTORY","factor":"evidence","direction":"adverse","title":"Limited verified history","description":"The independently confirmed portion of the record is still thin, so the score has not reached full confidence."},{"code":"LOW_COMPLETION_RATE","factor":"completion","direction":"adverse","title":"Completion rate","description":"A share of recorded commitments were not completed, weighted by stake and value."},{"code":"LOW_ONTIME_RATE","factor":"timeliness","direction":"adverse","title":"Timeliness","description":"Recorded commitments were often completed after their due date, or the completed activity is not recent; both reduce the timeliness factor."},{"code":"LOW_VERIFICATION_DEPTH","factor":"verification","direction":"adverse","title":"Verification depth","description":"A large share of the record is self-reported rather than confirmed by a counterparty. Getting outcomes confirmed (on any platform) raises this factor."},{"code":"NO_VERIFIED_HISTORY","factor":"evidence","direction":"adverse","title":"No verified history","description":"No outcomes on the record have been independently confirmed by a counterparty yet. Under the scoring model, a record with no verified outcomes is held near the unproven anchor until trust is earned."},{"code":"RECORD_UNDER_VELOCITY_REVIEW","factor":"integrity","direction":"adverse","title":"Record under velocity review","description":"The record is temporarily held by velocity protection because of an unusual volume of recent activity, so the current score should be treated as stale until it releases."},{"code":"STRONG_COMPLETION_RATE","factor":"completion","direction":"supporting","title":"Strong completion rate","description":"The large majority of recorded commitments were completed."},{"code":"STRONG_ONTIME_RATE","factor":"timeliness","direction":"supporting","title":"Strong on-time rate","description":"Recorded commitments were consistently completed on time and recently."}]}