Request
Response
            
            
  {
    "score": 630,
    "rating": "AVERAGE",
    "reasons": [
        "There is serious delinquency on the accounts, adverse record or collection filed on the credit report.",
        "The length of time accounts have been established on the credit report is short relative to the other applicants scored.",
        "Applicant is young relative to the other applicants scored.",
        "Lack of recent account information on the credit report."
    ]
  }
  
          

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