Experian BOP Score Models

This reference consolidates the score-model context used by Experian Personal Credit. It applies to Experian Business Owner Profile (BOP) consumer reports, not Equifax or TransUnion reports.

Available models

API option	Dashboard label	Score range	What the result predicts or represents
`vantage4`	Vantage 4.0	`300`–`850`	Likelihood of serious delinquency, generally 90 or more days past due, using a model that can consider trended credit data. Higher is lower predicted risk.
`fico8`	FICO 8	`300`–`850`	General consumer credit risk based on Experian credit-file data. Higher is lower predicted risk.
`fico9`	FICO 9	`300`–`850`	Later FICO general-risk model based on Experian credit-file data. Higher is lower predicted risk.
`fico_v2`	FICO v2	`300`–`850`	Earlier FICO general-risk model based on Experian credit-file data. Higher is lower predicted risk.
`fico_advanced2`	FICO Advanced2	Provider model output	Advanced factor-code vocabulary used with Experian/FICO output. Interpret the score and factors returned in the report rather than translating from another model.
`fico5`	FICO 5	Provider model output	FICO 5 option registered by the current Lendflow BOP integration. Interpret the returned provider output under the terms for this model.

The exact API values are validated by Lendflow. Send one as options.consumerScoreModel; labels are not accepted as API values.

Model output

Output	Meaning
`riskModel[].score`	Numeric score returned by the selected model.
`riskModel[].scoreFactors`	Ranked factors that most negatively influenced the score.
Positive VantageScore factors	Optional provider factors prefixed with `P` when that output is enabled for the applicable product configuration.
Fifth inquiry reason	VantageScore 4.0 or FICO output can include an additional inquiry-related reason when inquiries were not among the first four factors, depending on provider output.
Exclusion code	A provider code returned instead of a usable score when the file does not meet model requirements.

Do not apply one model’s factor-code text to another model. Use Experian BOP factor codes.

Exclusion codes

VantageScore 4.0

Code	Meaning
`0001`	The file or a tradeline indicates that the consumer is deceased.
`0004`	The report lacks enough credit information; it may contain only inquiries.
`9000`	The profile contains more than 500 tradelines, inquiries, and public records.

FICO models based on Experian data

Code	Meaning
`9000`	The profile exceeds the model’s file-size parameters.
`9001`	One or more tradelines report the consumer as deceased.
`9002`	The profile contains no tradelines.
`9003`	No tradeline has been opened or updated within the model’s required recent-history period.

An exclusion code is not a low score and must not be converted to zero.

Inquiry context is separate

The model does not determine whether the service is a hard or soft inquiry. The selected BOP inquiry context does. In Lendflow, Commercial Lending To A Sole Prop and BOP Commercial Collections are hard inquiries; the other registered BOP contexts are soft inquiries.

FAQ

Which value should I send for FICO Advanced v2?

Send fico_advanced2. The Dashboard label is FICO Advanced2.

Can I compare scores from different models as if they are identical?

No. Although several models use a 300–850 range, they use different model versions and factor logic. Record the model with every score.

Does a higher score indicate higher risk?

For the documented 300–850 VantageScore and FICO models, a higher score generally indicates lower predicted credit risk.

What should I do with an exclusion code?

Preserve it as a non-score outcome and follow your policy for insufficient, deceased, or oversized-file results. Do not treat it as zero.